UK Mortgage Calculators
Free, instant mortgage calculations for UK buyers, homeowners, and landlords. No registration. No jargon. Just clear answers.
Mortgage Repayment Calculator
Enter your details below to get an instant monthly payment estimate.
Mortgage Repayment Calculator
Calculate your monthly mortgage payments instantly
= 10.0% of property price
UK average fixed rate ~5-6% (2025)
Monthly Payment
£1,658.04
Over 25 years at 5.5% interest
Total Interest
£227,411
Total Repaid
£497,411
Loan-to-Value
90.0%
Higher rate tier
Deposit
10.0%
£30,000
Mortgage Balance Over Time
Results are estimates only and do not constitute financial, tax, or legal advice. Always consult an FCA-regulated mortgage adviser before making any financial decision.
All Mortgage Calculators
Every calculator you need to plan your UK mortgage journey.
Mortgage Repayment Calculator
Calculate your exact monthly payment with amortisation charts and year-by-year breakdown.
Affordability Calculator
Find out how much you can borrow based on your salary and financial commitments.
Stamp Duty Calculator
Calculate stamp duty for England, Wales, Scotland and Northern Ireland — 2025 rates.
Buy-to-Let Calculator
Work out rental yields, ROI and monthly profit on your investment property.
Remortgage Calculator
See how much you could save every month and over your lifetime by switching deals.
Overpayment Calculator
Discover how much interest you save and how many years you cut by overpaying.
Why Use Our UK Mortgage Calculators?
Instant Results
Calculations update in real time as you type
No Registration
No sign-up, no personal data stored
Mobile Friendly
Works perfectly on any device
UK Specific
All 4 nations — correct stamp duty rules
Mortgage Guides
In-depth guides to help you understand UK mortgages.
First-Time Buyer Calculator
Tailored calculations for first-time buyers with stamp duty relief.
How Much Can I Borrow?
Understand lender criteria and maximum borrowing.
Mortgage Rates Guide
Fixed vs tracker — what rate should you choose?
Complete Mortgage Guide
Everything you need to know about UK mortgages.
UK Mortgage Calculators — 2025 Guide
Our UK mortgage calculator gives you instant, accurate results for the most important financial decision of your life. Whether you are a first-time buyer working out your maximum loan, a homeowner planning to remortgage, or a landlord evaluating a buy-to-let investment, you will find the tools you need here — completely free.
UK mortgage interest rates in 2025 range from approximately 4.5% to 6.5% for a typical 2-year or 5-year fixed rate deal. The Bank of England base rate has a direct impact on tracker and standard variable rate (SVR) mortgages. Use our mortgage calculator to model different rate scenarios before speaking to a broker.
Stamp duty is one of the largest upfront costs of buying property in the UK. The rates differ between England, Wales (where it is called Land Transaction Tax or LTT), Scotland (Land and Buildings Transaction Tax or LBTT), and Northern Ireland. Our stamp duty calculator covers all four nations and includes first-time buyer relief and the additional property surcharge.
When it comes to affordability, most high street lenders will advance between 4 and 4.5 times your annual income. Some specialist lenders and professional mortgages can stretch to 5 or even 5.5 times salary. Our affordability calculator lets you model all three scenarios side by side.