UK Mortgage Calculators
A calculator for the mortgage question in front of you.
Repayments, deposits, overpayments and borrowing: choose a tool, adjust the assumptions and see an estimate before sharing any details.
- Repayments
- Estimate the monthly payment
- Borrowing
- Explore an income-based range
- Overpayments
- Model a shorter mortgage term
General information and estimates. This website does not provide regulated mortgage advice.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Mortgage Repayment Calculator
Estimate your monthly mortgage repayment.
Estimate only. Excludes lender fees, broker fees, valuation, insurance, and rate changes.
Get a personalised quoteFree mortgage check
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Answer a few questions about your plans, income range and circumstances. The result is a guide to the next conversation, not mortgage advice or a lending decision.
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Mortgage availability depends on lender criteria, affordability checks and your circumstances.
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Your home may be repossessed if you do not keep up repayments on your mortgage.
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Where appropriate, a mortgage adviser or broker partner may contact you to discuss your answers and explain possible next steps.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Indicative rate scenario
Model a broad mortgage rate range
This calculator gives a broad illustrative range for planning only. Actual rates, fees and eligibility depend on lender criteria, your credit profile and a regulated advice process.
Indicative range
4.75% to 5.35%
Loan to value
80%
Estimated loan
£240,000
Rates shown are not live lender offers and are not a mortgage offer. Your home may be repossessed if you do not keep up repayments on your mortgage.
Illustrative rate examples
Mortgage rate examples
Compare illustrative mortgage rate examples by estimated monthly payment. These rows are indicative examples only, not live lender offers, mortgage advice or a guarantee that a product will be available to you.
Examples reviewed: 24 August 2026
Mortgage risk warning: Your home may be repossessed if you do not keep up repayments on your mortgage.
| Provider type | Mortgage type | LTV basis | Rate information | Fee information | Estimated monthly payment | Initial-period estimate | Next step |
|---|---|---|---|---|---|---|---|
| Building society example | 5-year fixed purchase | 75% LTV | 4.72% indicative | £0 product fee example | £1,421 | £85,259 | Discuss this option |
| Green mortgage example | 5-year fixed purchase | 80% LTV | 4.86% indicative | £999 product fee example | £1,441 | £87,468 | Discuss this option |
| High-street lender example | 2-year fixed purchase | 60% LTV | 4.89% indicative | £999 product fee example | £1,445 | £35,691 | Discuss this option |
| Remortgage product example | 2-year fixed remortgage | Based on current equity | 4.94% indicative | £999 product fee example | £1,453 | £35,865 | Discuss this option |
| Fee-assisted remortgage example | 5-year fixed remortgage | Based on current equity | 4.99% indicative | £0 product fee example | £1,460 | £87,601 | Discuss this option |
| Offset mortgage example | 5-year fixed offset | 75% LTV | 5.09% indicative | £999 product fee example | £1,475 | £89,476 | Discuss this option |
| Buy-to-let lender example | 5-year fixed buy-to-let | 75% LTV | 5.18% indicative | £1,995 product fee example | £1,488 | £91,264 | Discuss this option |
| Tracker product example | Variable tracker mortgage | Lender criteria vary | 5.34% indicative | £1,499 product fee example | £1,511 | £37,773 | Discuss this option |
| Low-deposit lender example | 2-year fixed purchase | 90% LTV | 5.42% indicative | £0 product fee example | £1,523 | £36,559 | Discuss this option |
| Specialist lender example | 2-year fixed remortgage | Lender criteria vary | 5.67% indicative | £1,499 product fee example | £1,561 | £38,956 | Discuss this option |
The lowest headline rate is not always the lowest total cost. Product fees, incentives, early repayment charges, loan size and fixed-period length can change the comparison. Read how we compare routes and limitations.
Monthly and initial-period estimates are illustrative and exclude valuation, legal, broker and exit fees unless shown. A mortgage adviser or broker partner can discuss your circumstances before you decide whether to proceed. Example source: Saved illustrative scenarios.
Which figure do you need?
All calculators →Mortgage Affordability Calculator
Estimate affordability from income, commitments, dependants and deposit assumptions.
Estimate affordabilityBad Credit Mortgage Calculator
Estimate repayments and broad affordability assumptions when credit history needs extra review.
Estimate bad credit mortgage costsMortgage Repayment Calculator
Estimate monthly repayments from property price, deposit, rate and term.
Calculate repaymentsHow Much Can I Borrow?
Estimate a possible borrowing range from income and deposit assumptions.
Estimate borrowingRemortgage Calculator
Model current and possible new payments before reviewing remortgage options.
Check remortgage optionsRemortgage Deadline Calculator
Estimate when to start reviewing options before your fixed rate ends.
Check remortgage timingCalculator estimates before any enquiry
Use the tools first, then decide whether you want a mortgage adviser or broker partner to discuss your circumstances. Calculator results are estimates and are general information only.
Mortgage help by city
Use local mortgage pages for estimate-only calculators, property considerations and adviser callback information.
Guides for common mortgage questions
Choose a guide when the estimate depends on the type of borrower, property or mortgage product.
Mortgage guides by situation
Use these pages with the calculators when your estimate depends on buyer status, income type or landlord criteria.
How UK Mortgage Calculators works
Use an estimate to prepare, then decide whether to request an adviser callback.
Start with an estimate so you understand the numbers before submitting details.
Learn what lenders may look at for your situation.
Complete a short enquiry if you want to speak with a mortgage adviser or broker partner.
A broker or adviser partner may contact you to explain options that may be available based on your circumstances.
Related mortgage resources in our network
These related sites provide general mortgage information and calculators for different research needs. They do not replace advice based on your circumstances.
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Independent mortgage information
Read guidance and check adviser authorisation. These links do not imply endorsement of this website.
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Talk to an adviserYour home may be repossessed if you do not keep up repayments on your mortgage.
Calculator-led mortgage planning
UK Mortgage Calculators is centred on practical estimation tools. The pages help you model cautious scenarios before you decide whether to request a broker or adviser callback.