Mortgage Repayment Calculator UK
Calculate your monthly mortgage repayment, total amount repaid and total interest based on the amount borrowed, interest rate and term. Uses the standard capital-and-interest repayment formula.
Calculator
What this means
A repayment mortgage spreads the amount you borrow plus interest across equal monthly payments. Early payments are mostly interest; later payments clear more of the balance. A longer term lowers the monthly cost but increases total interest.
Frequently asked questions
No. This estimates the core capital-and-interest repayment only. Arrangement fees, buildings insurance and any product fees are not included.
Use the rate from your mortgage offer or current deal. When a fixed rate ends, your payments may change based on the new rate.
No. This calculator assumes a repayment (capital-and-interest) mortgage where the balance is cleared by the end of the term.
Disclaimer
This calculator provides estimates for guidance only. It is not financial, legal or tax advice. Always check official sources or speak to a qualified professional before making decisions.
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