Mortgage Inputs
Enter the property price, deposit, interest rate, mortgage term, buyer status and optional affordability details.Interest Saved£0
Estimated saving from monthly and one-off overpayments.
Time Saved0
Estimated mortgage term reduction from overpaying.
Stress Payment£0
Monthly payment at 0% interest.
Affordability Snapshot
Planning view| Metric | Value | Meaning |
|---|---|---|
| Monthly payment change | £0 | Stress test |
| Total upfront estimate | £0 | Deposit + costs |
| Total buying costs | £0 | SDLT + extras |
| Cash needed | £0 | Upfront cash |
| Payment to income ratio | 0% | Not provided |
| Debt to income ratio | 0% | Not provided |
How This UK Mortgage Calculator Works
This UK mortgage calculator estimates monthly repayments by subtracting your deposit from the property price, then applying the interest rate and mortgage term. For repayment mortgages, it uses the standard monthly amortisation formula. For interest-only mortgages, it estimates the monthly interest payment only.
The calculator also estimates stamp duty for England and Northern Ireland, total repayment, total interest, loan-to-value, deposit percentage, upfront cash needed, overpayment savings, stress-tested payments and simple affordability ratios. These calculations help home buyers compare mortgage options, understand long-term cost and plan a more realistic property budget.
Payments
Monthly Mortgage Payment
Repayment mortgages include capital and interest. Interest-only estimates show interest only and do not repay the original loan balance.
Savings
Overpayments
Extra payments can reduce your mortgage balance faster, lower total interest and potentially shorten the mortgage term.
Costs
Stamp Duty
The estimate covers SDLT for England and Northern Ireland. Scotland and Wales use different property tax systems.
Important: This calculator gives an estimate only. It does not include every lender fee, broker fee, insurance cost, valuation fee, product fee or future rate change. Always check figures with a qualified mortgage adviser, lender or solicitor before making financial decisions.
Your Mortgage Estimate
Live calculation result
Fill in the calculator to estimate your monthly payment, loan amount, deposit, stamp duty, overpayment savings, affordability ratios and buying costs.
Repayment typeRepayment mortgage estimate
Total repayment£0
Total interest£0
Loan-to-value estimate
Deposit strength
Mortgage duration
Rate assumption
Buying Cost Breakdown
Stamp duty£0
Extra costs£0
Total costs£0
Cash needed£0
Affordability Check
Monthly net income£0
Payment / income0%
Debt / income0%
Add monthly net income and existing debt to see a simple affordability signal.
Useful Notes
- Use this as an early planning tool before speaking with a mortgage broker or lender.
- Real mortgage offers depend on affordability checks, income, credit history, deposit size and lender criteria.
- Check lender overpayment rules before relying on overpayment savings estimates.
- Scotland and Wales use different property tax systems, not SDLT.