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MORTGAGE REPAYMENT CALCULATORYour next home.
Your next home.
Let’s work out
the numbers.
A place you can picture yourself. A monthly cost you can plan around. Explore house prices and try the numbers for your next move.
Research the place Plan the numbers Make your next move
START WITH THE PLACE
What do homes cost here?
Look up house prices and local utilities. Then use a price in your estimate below.
02 / YOUR ESTIMATEEstimated monthly repayment
DepositMortgage
- Mortgage amount
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- Loan to value
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- Estimated total repaid at this rate
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- Including — total interest
Assumes the same rate throughout the term. Excludes your deposit. Rate changes, overpayments and fees can change the actual total.
PICK UP WHERE YOU LEFT OFF
Keep these numbers.
Save this estimate with your research, or get a one-off email with your figures and a link to adjust them.
Your figures stay with you when you sign in. A free account keeps your estimates private.
View saved estimates →LEAVE A LITTLE ROOM
What if the rate changes?
See how the same mortgage could look at a different rate. These are illustrative scenarios, not available mortgage products.
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Lower and higher examples use one percentage point below or above your rate, with a minimum of 0%. Each assumes that rate stays the same for the full term.
THE NUMBERS ARE ONE PART OF IT
Get a feel for the place, too.
Explore what homes have sold for, compare neighbourhoods and keep your next move together in My Place Keys.
A CLEARER PICTUREA few things
A few things
worth knowing.
The figures are a starting point for your plans.
What does this estimate include?
Repaying the amount borrowed plus interest over the term you enter. It assumes monthly payments and a constant annual interest rate. Fees, taxes, insurance, moving costs and household bills are excluded.
Does this tell me what I can borrow?
No. It estimates repayments from the figures you enter. A lender’s affordability assessment also considers income, spending and your circumstances. MoneyHelper has a separate mortgage affordability calculator.
What does loan to value mean?
The mortgage amount as a percentage of the property price. For example, a £30,000 deposit on a £300,000 home leaves a £270,000 mortgage and a 90% loan to value.
Can I start with a local house price?
Yes. Search a town or postcode above, then choose a recorded sale median or official wider-area average as an example. Check the date and area shown. Neither figure values an individual home; adjust the property price to the home you’re considering.
A NEW HOME FOR YOU. A NEW HOME FOR YOUR THINGS.Put a little towards
Put a little towards
your next move.
The chair that won’t fit. Clothes you no longer wear. List useful things for free and put what you sell towards moving costs, your savings goal or your next plan.
Sell your stuff for free