UK mortgage planning
Mortgage repayment calculator
Estimate a monthly repayment, total interest and how a regular overpayment could shorten a repayment mortgage.
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What this mortgage calculator assumes
It assumes a repayment mortgage: each monthly payment covers interest and reduces the loan balance. The rate stays unchanged for the entire term and payments are made monthly.
How overpayments can help
Paying more than the required monthly repayment reduces the balance sooner. That can reduce interest and shorten the term, but lenders may set annual overpayment limits or charge early repayment fees.
Important limits
This is a general calculation, not a mortgage offer, affordability assessment or financial recommendation. It does not include fees, changing rates, interest-only periods, payment holidays, insurance, taxes or lender-specific rules. Confirm figures with a lender or regulated mortgage adviser before making a decision.
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