UK Mortgage Calculator
Estimate repayments, interest, payoff date and remaining balance. Calculations run entirely in your browser.
Mortgage Details
Assumes repayment mortgage with constant interest rate.
Retrospective View
Summary
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Yearly Breakdown
Past years are shaded. Current year is highlighted.
About this calculator
This UK mortgage calculator estimates monthly repayments, total interest, and the payoff date for a repayment mortgage.
Use it to compare overpayment scenarios or check an approximate remaining balance at a future date.
All calculations run locally in your browser and are for illustrative purposes only.
FAQ
Does this include fees or variable rates?
No. It assumes a fixed interest rate for the full term and does not include fees.
How are overpayments applied?
Overpayments are added to the monthly payment and reduce the balance faster.
Disclaimer
This mortgage calculator provides illustrative estimates only and should not be considered financial advice. Calculations assume a standard repayment mortgage with a fixed interest rate for the full term. Real-world mortgages may include variable rates, fixed-rate periods, fees, early repayment charges, lender-specific calculation methods, and other conditions that can materially affect repayments.
Results do not account for arrangement fees, product fees, legal costs, insurance, changes in interest rates, or future refinancing. Figures are rounded and may differ slightly from lender amortisation schedules.
Always consult a qualified mortgage adviser or lender before making financial decisions. This tool runs entirely in your browser and does not store or transmit your data.