Repayment Calculator
Punch in your loan, term, and rate. See your monthly payment, total interest, and the capital-vs-interest split — without the spreadsheet.
How the numbers land.
Three steps from input to a figure you can plan around.
Enter your figures
Loan amount, mortgage term in years, and the interest rate from your offer (or a comparable best buy).
Read the result
Monthly repayment, total interest paid over the term, and how much of each payment goes on capital vs interest.
Speak to a broker
Take the figure to a CeMAP-qualified adviser who can match it to a lender that will actually approve the case.
Get a quote
Key figures behind this calculator
25 yrs
Typical UK term
4–4.5×
Income multiple
90+
Lenders compared
£0
Cost to use
What we assume.
Every calculator is a model. Here's where ours rounds, simplifies, or hands the detail to a real adviser.
Capital repayment basis
Standard UK capital-and-interest schedule. Interest-only and part-and-part loans aren't modelled here.
Constant rate over the term
The rate you enter is held flat for the full term. In reality you'll re-fix every 2–5 years; results show today's rate, not lifetime cost.
No insurance or fees
Buildings insurance, life cover, broker fees, arrangement fees, and valuation costs aren't included. Budget for those separately.
No overpayments factored
Any extra payments you'd make are excluded. For that, use the overpayment calculator.
Frequently asked.
It estimates your monthly mortgage payment for a chosen loan amount, term and rate, plus the total interest paid over the term. Use it before applying so you understand what each rate move costs you.
Still got a question we haven't answered?
Talk to an adviserFrom figure to offer.
Calculators give you a useful estimate. The real number depends on your full circumstances, credit profile, and the lender that ultimately approves the case. Our CeMAP-qualified advisers compare 90+ UK lenders and translate the repayment calculator into a deal you can actually take.
No-obligation chat
Book a call — we'll discuss your situation and what you're trying to achieve, no commitment.
Higher approval confidence
Our brokers know which lenders suit first-time buyers, remortgagers, buy-to-let, and complex cases.
Service that performs
Clear communication, realistic timelines, and the right product — not just the lowest headline rate.