See what your mortgage could cost
Enter your mortgage amount, interest rate, and term to instantly see your estimated monthly payments — plus a full breakdown of how your balance reduces over time.
This is an estimate for illustration only. Your adviser will provide exact figures.
How your balance reduces over time
See how much of your mortgage you'll have paid off year by year.
How to use this calculator
Be realistic about the rate
Use the rate you expect to actually get — not the headline rate. Your adviser can tell you what rate you're likely to be offered based on your LTV and credit profile.
Factor in fees
Some deals come with product fees of £500–£2,000. A lower rate with a high fee can sometimes cost more than a slightly higher rate with no fee. Your adviser will do the maths.
Consider overpayments
Many mortgages allow overpayments of up to 10% per year without penalty. Even small overpayments can cut years off your mortgage and save thousands in interest.
Think about your term
A longer term means lower monthly payments but more interest overall. A shorter term costs more per month but you'll be mortgage-free sooner and pay far less interest.
Want exact figures for your situation?
This calculator gives you a solid estimate. Your adviser can give you exact figures based on your actual circumstances — and search 90+ lenders for the best real rate. No obligation, no credit check.
See My Mortgage Options