Mortgage Amortization Calculator UK

Create a detailed mortgage repayment schedule by month and year, compare principal versus interest, add overpayments and see how much time and interest you could save.

Monthly Payment £0 base payment
Interest Saved £0 with overpayments
Time Saved 0 shorter term
Total Interest £0 interest cost
Mortgage Schedule Inputs
Enter the loan amount, rate, term, start date and optional overpayments to generate a complete amortization schedule.
Schedule
£
Mortgage Comparison
Without vs with overpayments
Metric Without Overpayments With Overpayments Difference
Year Start Balance Payments Principal Interest Extra End Balance
# Date Payment Principal Interest Extra Fees Balance
How This Mortgage Amortization Calculator Works

This mortgage amortization calculator creates a repayment schedule showing how your mortgage balance changes over time. Each month is split into interest, principal, optional extra payments, fees and remaining balance.

You can compare the mortgage with and without overpayments to see how much interest could be saved and how much earlier the loan could be repaid. The yearly schedule gives a compact overview, while the monthly schedule gives a detailed repayment breakdown.

Schedule Monthly and Yearly Tables

See exactly how much is paid each month and how the balance reduces year by year.

Savings Overpayment Impact

Add monthly, annual or one-off overpayments to estimate interest savings and shorter repayment time.

Breakdown Principal vs Interest

Understand how much of each payment goes toward the loan balance and how much goes toward interest.

Important: This calculator provides estimates only. It does not replace advice from a mortgage broker, lender or financial adviser. Always check your mortgage product rules before making overpayments.
Amortization Summary

Live repayment schedule result

Estimate
Fill in the calculator to generate a mortgage repayment schedule, interest breakdown and overpayment savings estimate.
Monthly Payment£0
Payoff Date-
Total Interest£0
Interest Saved£0
Loan Amount£0
Total Repayment£0
Total Extra£0
Time Saved0
Payment Breakdown
Principal paid£0
Interest paid£0
Extra paid£0
Fees paid£0
Final balance£0
Useful Notes
  •  The schedule shows how each payment is split between principal, interest, fees and overpayments.
  •  Early payments usually contain more interest, while later payments usually repay more principal.
  •  Many UK mortgage products allow limited overpayments, often around 10% per year.
  •  Always check lender rules, early repayment charges and product conditions before making overpayments.