Repayment mortgage
The calculation assumes regular monthly payments that cover both interest and capital.
Monthly repayment—
Enter your details to calculate.
Mortgage calculator guide
Estimate monthly mortgage repayments from the amount borrowed, interest rate and mortgage term. The calculator also shows the total amount repaid and total interest.
Interest rate
Even small changes in the mortgage rate can materially affect the monthly payment over a long term.
Mortgage term
A longer term usually reduces the monthly payment but increases total interest.
Mortgage assumptions & sensitivity
Mortgage repayment estimates assume a capital-and-interest repayment mortgage with the entered rate remaining constant for the full term. Fees, changing rates, product switches, overpayments and lender-specific rounding are not included.
The three scenarios shown with your result use the entered rate and rates one percentage point lower/higher. They are not forecasts — they show how sensitive the monthly payment is to the rate assumption.
Useful references: MoneyHelper mortgage calculator · FCA APRC explanation
How to interpret the mortgage result
The monthly payment assumes a repayment mortgage with a constant interest rate for the full term. Real payments can differ when a fixed or tracker deal ends, the rate changes, fees are added to the balance or the loan is altered. The sensitivity figures show how the same balance and term respond to a one-point rate movement.
Frequently asked questions
Does this include fees?
No, unless you add fees to the mortgage amount entered.
Can the result change if my rate changes later?
Yes. Variable rates and future remortgage rates can change actual payments.
Is this a mortgage offer?
No. It is an estimate for planning and comparison purposes.
Built for quick, transparent estimates. See how our calculators work and check page-specific assumptions before relying on a result.