Mortgage repayment calculator
Enter the amount you want to borrow, interest rate and term to estimate monthly repayments. The result assumes the rate stays the same throughout.
Enter your details
Your calculation
Total repayments £438,442.53 · total interest £188,442.53
If the rate rises by two percentage points
Estimated repayment: £1,766.95 per month. This shows what the higher rate would cost if it stayed the same throughout the term. It does not predict future rates or include fees, insurance or overpayments.
How to use this result
The calculator spreads repayment of the loan and interest across the chosen number of months. It uses the annual rate divided by twelve each month. Check the actual rate, fees and terms with your lender.
Source: Read the official guidance. Checked 23 October 2026. Estimates are not personalised advice.
Useful tools and help
See the monthly household budget planner.
Not sure what income to enter in your budget? estimate your monthly pay after deductions first, then replace the example budget income with that amount.