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Home Repayment calculator

Repayment calculator

Put your plans
into perspective.

Explore an illustrative monthly repayment. Change the loan amount, interest rate and term to see how the figures move.

A useful starting point

Make the numbers
a little clearer.

This calculator shows a repayment mortgage with a constant interest rate throughout the term. It does not assess affordability or show whether a lender will approve your application.

The example interest rate is for illustration only. It is not a current product, mortgage quotation or personalised recommendation.

Illustrative monthly repayment

£1,461per month

Total repaid£438,443

Total interest£188,443

Illustration only. The example rate is not a mortgage offer. Assumes capital-and-interest repayment at a constant rate; excludes fees and future rate changes. This does not assess affordability.

The loan amount

This is the amount you borrow, not the property price. For a purchase, it is usually the price minus your deposit, before any fees you choose to add.

The mortgage term

A longer term may reduce monthly repayments but can increase the total interest paid. A shorter term usually means higher monthly repayments.

The interest rate

The calculator holds the rate constant for the whole term. Real mortgage rates can change when a fixed deal ends or when a variable rate changes.

Figures are rounded and exclude fees, insurance, charges and rate changes. Interest-only borrowing needs a separate repayment plan and is not modelled here. Your lender’s mortgage illustration gives the product-specific costs. Your home may be repossessed if you do not keep up repayments on your mortgage.

Let’s talk about the numbers that apply to you.

Tell us what you’re planning. We’ll help you understand the options and explain what comes next.

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