UK Mortgage Calculator
Estimate your monthly mortgage payment based on property price, deposit, interest rate and term. Useful for both first-time buyers and remortgaging.
Stamp duty uses 2025/26 England & NI residential SDLT bands, including the 5% additional-dwelling surcharge. Scotland (LBTT) and Wales (LTT) differ.
How this mortgage calculator works
Your deposit is subtracted from the property price to give the amount you need to borrow.
We then apply the standard repayment-mortgage formula to compute a level monthly payment.
Interest-only mortgages are not modelled — this calculator assumes a capital-and-interest repayment.
Frequently asked questions
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