Mortgage Payment Calculator (UK)

Estimate monthly repayments, interest and fees. Adjust deposit, fixed period, overpayments and view a full schedule.

Updated for 2026 Estimates only Check with lender
Figures are indicative. Lenders may use daily interest and different fee structures.

Calculator

Enter your details and select Calculate to view estimated monthly repayments and overall costs.

Used for formatting results.
Total purchase price of the property.
Length of the mortgage.
Choose amount or %.
Choose deposit type above.
Auto-calculated from price and deposit; you can override.
Used for schedule dates only.
Advanced options
If you don’t have an intro rate, use your standard APR.
Set 0 to skip.
Used after the intro period ends.
Optional lender fee.
If added to the loan, interest may apply.
Solicitor, valuation, broker fee, etc.
Optional extra repayment each month.
1 means first payment month.
Leave blank to continue until payoff.
A single extra payment.
Month number in the schedule.
Estimates only. Lenders can use different fee structures and daily interest calculations.

Results

Monthly payment (intro)
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Monthly payment (after intro)
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Total interest
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Total paid
—
Payoff time
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Savings vs no extras
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Upfront fees
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Loan amount used
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How to use this calculator

  • Enter property price, term and deposit.
  • Add optional fees, fixed period and overpayments.
  • Press Calculate to generate payments and schedule.

Important

This is an estimate tool. Some lenders calculate interest daily and apply fees differently. Always confirm figures with your lender or adviser.

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