Whether you’re buying your first home, remortgaging, or just trying to work out what a rate rise will do to your monthly budget, these calculators will give you an instant answer.
No sign-up, no data collected — just plug in your numbers and go.
Monthly Repayment Calculator
Work out exactly what your monthly mortgage payment will be based on your loan amount, term, and interest rate.
Rate Change Comparison
Remortgaging or worried about your rate going up? Enter your current deal and the new one to see exactly how much more (or less) you will pay each month.
Current Mortgage
New Mortgage
A few things worth knowing
These figures are estimates. The calculators use a standard capital repayment formula, which is what most UK residential mortgages use. Interest-only mortgages work differently — your monthly payment would just be the interest portion, with the full loan still owed at the end.
The rate you see advertised is not always the rate you pay. Lenders quote an initial rate (e.g. a two-year fix) but the APRC (Annual Percentage Rate of Charge) is the better number to compare across deals — it includes fees spread over the full term.
Overpaying can save you thousands. Most UK mortgages allow you to overpay by up to 10% per year without penalty. Even a small regular overpayment reduces the total interest significantly over a 25-year term.
Always speak to a broker. A fee-free mortgage broker has access to deals you won’t find on comparison sites and can advise on the right product for your circumstances. This calculator is a starting point, not financial advice.
This tool is provided for illustrative purposes only and does not constitute financial advice. Always consult a qualified mortgage adviser before making any decisions.