Mortgage Repayment Calculator

Simple Mortgage repayment calculator. Quick, easy, accurate monthly payment estimates. Plan your mortgage smartly!

Mortgage Repayment Calculator

Please note this is only an estimate and can vary depending on the lender and your personal circumstances. To get a more accurate quote, we recommend speaking to one of our advisers who will be more than happy to help you.
Mortgage Loan Amount
Mortgage Term (Years)
Interest Rate (%)

Monthly Capital & Interest


Monthly Interest Only


This calculator can only be used as a guide. For an exact borrowing figure please contact us and we will provide a full review for you.

This information does not contain all of the detail you would need to choose a mortgage. Make sure you read your individual Key Facts Illustration (KFI) plus or the new European Standardised Information Sheet (ESIS) before you make a decision. A KFI plus or ESIS gives you tailored information, based on a particular mortgage and the level of lending you require, which is important to help you make your decision. This includes associated rates and fees, the overall cost of the mortgage and your monthly payments. Mortgage deals may not be available and lending is subject to individual circumstances.

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Find out what your mortgage payments might be using our simple mortgage calculator

Our mortgage calculator page offers a user-friendly tool designed to help you easily estimate your monthly mortgage payments.

With just a few clicks, you can input your mortgage amount, interest rate, and loan term to find out what your payments might be.

This simple calculator is ideal for anyone looking to get a quick, clear understanding of their potential mortgage costs, whether you’re a first-time homebuyer or considering refinancing.

Use our tool to plan your budget and make informed decisions about your home loan.

How do I find out the interest rate for my mortgage?

Finding out the interest rate for a mortgage when you don’t currently have a mortgage involves understanding that rates can vary based on individual circumstances and market conditions. Here’s how you can get an idea of the rates you might be eligible for in the uk market:

  1. Credit Score Check: Your credit score significantly influences the interest rate you’re offered. Higher scores typically secure lower rates. Check your credit score to understand where you stand.

  2. Consult a Mortgage Broker: Mortgage brokers can offer insights into various lenders’ rates and help you find the best rate based on your financial situation.
  3. Get Pre-Approved: For a more accurate rate, consider getting pre-approved by a lender. This process involves a credit check and review of your financial situation, giving you a clearer picture of the rate you’re likely to receive.

  4. Consider Loan Types: Different types of loans (like fixed-rate, variable rate) have different rates. Research which type of loan might be best for you.

  5. Economic Factors: Be aware that broader economic conditions affect mortgage rates. Keeping an eye on economic trends can help you anticipate changes in mortgage rates.

Loan value over time explained

The loan value over time is influenced by how much you borrow, the interest rate, and the loan term. Initially, a larger portion of your payments goes towards interest.

Over time, as you pay down the principal, the interest portion decreases, and more of your payment goes towards reducing the loan balance.

This process, known as amortization, means that the equity you own in the property increases over the loan term, while the outstanding loan value decreases.

Ready to speak to an adviser?


Call us today and our experts can accurately calculate monthly payments and deposit required for you to move forward.

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