UK · Free calculator
Mortgage calculator
Estimate monthly UK mortgage repayments from property price, deposit, rate and term.
Your figures
Rates updated 2026-04-06. Results update as you type.
Illustrative repayment only — lender offers will differ.
- Monthly repayment
- £1,500.75
- Loan amount
- £270,000.00
- Total interest
- £180,225.00
- Total repaid
- £450,225.00
- Loan-to-value
- 90%
Cost of borrowing
- Capital £270,000.00
- Interest £180,225.00
How this calculator works
Loan is price minus deposit. Monthly payment uses standard amortisation.
£300k home, 10% deposit
£300,000 property, £30,000 deposit, 4.5% over 25 years.
Assumptions & sources
- Capital repayment mortgage with a fixed rate for the full term (illustrative).
- No fees, overpayments or interest-only periods.
- Typical repayment formula (amortising loan)
Frequently asked questions
No. It models a simple capital-and-interest repayment mortgage. Arrangement fees, offset features and rate changes are not included.
Use the Stamp Duty calculator for SDLT. This tool focuses on loan repayments only.
Estimates only
Handy Money Tools provides illustrative figures, not personalised financial or tax advice. Verify
important decisions with official sources or a qualified adviser.
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