Financial / Browser calculator

Mortgage Calculator UK

Mortgage Calculator UK works from the inputs you provide and returns monthly payment, total interest, total paid, payments. Use the calculation panel to explore a scenario, then check the formula and limitations before applying the result.

Your inputs

Minimum: 0
Minimum: 0
Minimum: 0 · Maximum: 100
Minimum: 0.08333333333333333 · Maximum: 100

Your results

Enter your values and calculate to see the result.

This estimate is for information and comparison, not financial, investment or tax advice.

Formula and calculation method

Borrowed principal = property price − deposit. Monthly payment uses the standard repayment-mortgage annuity formula.

UK repayment mortgage estimate in the selected currency. Stamp duty, lender fees and insurance are excluded.

How to use mortgage calculator uk

  1. Set Property price. The example below uses 300000.
  2. Set Deposit. The example below uses 60000.
  3. Set Annual interest rate (%). The example below uses 6.
  4. Set Term (years). The example below uses 25.
  5. Select Calculate to update the result. Reset restores the illustrated inputs. Copy, print or download your own result if you need a record.

Worked example

Example inputs
Property price
300000
Deposit
60000
Annual interest rate (%)
6
Term (years)
25
Monthly payment
1,546.32336357
Total interest
223,897.00906957
Total paid
463,897.00906957
Payments
300

Factors affecting your result

UK repayment mortgage estimate in the selected currency. Stamp duty, lender fees and insurance are excluded.

Changing property price changes the scenario being evaluated. Adjust one input at a time when comparing results, keep a copy of the assumptions, and compare values using the same unit and period. A precise arithmetic result does not make an uncertain assumption precise.

Frequently asked questions

How does the mortgage calculator uk work?

Borrowed principal = property price − deposit. Monthly payment uses the standard repayment-mortgage annuity formula.

What inputs does Mortgage Calculator UK need?

Enter property price, deposit, annual interest rate (%), term (years). Read the unit labels; percentages are entered as ordinary percentages, not decimal fractions.

How should I interpret the mortgage calculator uk result?

UK repayment mortgage estimate in the selected currency. Stamp duty, lender fees and insurance are excluded.

Are my mortgage calculator uk inputs uploaded?

No. The calculation runs in this browser. Favorites, recent tool names, theme and formatting preferences may be saved locally, but calculation inputs are not sent to a calculation server or stored by this website. Shared links do not include entered values.

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