Mortgage payment calculator

Estimate your monthly mortgage payments

Compare estimated repayment and interest-only payments, see how fees affect the mortgage and explore the effect of potential interest-rate increases.

Your figures

Results update automatically once the required fields contain valid figures.

Property and mortgage

Enter the full mortgage term for this illustration in whole years. This is different from an initial deal period. The figure entered is not a recommendation of a mortgage term or confirmation that a lender would offer it.

Mortgage fees

Interest will be charged on an added fee.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Calculator information

Important information about your estimate

This calculator provides an illustration of potential monthly mortgage payments based on the figures you enter. Please review the assumptions and limitations before relying on the result.

Your actual mortgage payment may be different

The payment offered by a lender will depend on its product terms, lending criteria, fees, calculation method and assessment of your circumstances.

The calculator assumes that:

  • The mortgage amount, interest rate and term are entered correctly.
  • The interest rate remains unchanged for the period illustrated.
  • Repayment calculations use regular monthly payments.
  • Interest is calculated using a simplified monthly calculation.
  • Figures are rounded for display purposes.
  • Any product fee added to the mortgage is included in the amount borrowed and therefore affects the estimated payment.

What the estimate does not include

The result does not include every cost that may be associated with arranging a mortgage, such as valuation fees, legal costs, broker fees, insurance or charges imposed by a lender.

It does not account for future interest-rate changes, product switches, changes to your mortgage balance or changes to the lender’s calculation method.

This calculator provides an illustrative estimate only. It is not a mortgage offer, personalised mortgage advice, a mortgage illustration or a comparison between mortgage products.

an adviser acting through an FCA-authorised and regulated firm can assess your circumstances and provide a personalised mortgage illustration where appropriate.

Your home may be repossessed if you do not keep up repayments on your mortgage.