UK Mortgage Calculator

This page covers UK rules. Outside UK or comparing markets? Use the master mortgage calculator — all markets in one dropdown, same math, same privacy.

How to use

1. Enter the property price in pounds and your deposit in pounds.
2. Add the interest rate from your mortgage offer or a typical market rate.
3. Set the term, usually 25 years, and read the monthly repayment.
4. Review total interest and total repaid across the whole term.
5. Change the deposit or term to see how LTV bands move the figures.

General information only — not medical, financial or legal advice. Figures cross-checked against public official sources (IRS / HMRC / NHS / WHO guidance); content last reviewed September 2026. For decisions that matter, confirm with a licensed professional in your country.

About this tool

UK repayment mortgages run on the same amortization engine as anywhere else, and this calculator prices one in plain GBP figures with no currency symbol in the results. Enter the property price, your deposit, the rate you have been offered and the term; you receive the monthly repayment, the amount borrowed, total interest across the term and the grand total repaid. The defaults model a 300,000 GBP home with a 45,000 GBP deposit, so 255,000 borrowed at 5.25 percent over 25 years costs about 1,528 per month and roughly 203,000 in interest. Every figure is an estimate until a lender confirms it, so verify offers with an FCA-regulated broker or bank before committing. Estimates in pounds sterling use only your inputs; UK rates, fees and stamp duty change regularly. Verify with gov.uk and FCA-regulated lenders. Not financial advice.Deposit size drives UK pricing through LTV bands: 5 percent down reaches 95 percent LTV where rates are least generous, while 15 to 25 percent deposits unlock much sharper pricing. Stamp duty in England and Northern Ireland starts at zero below 125,000 and rises in bands (approximate; Scotland and Wales run their own schedules). Confirm current rules at gov.uk.

FAQ

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