Mortgage Repayment Calculator
Estimate your monthly repayments, total interest and total amount repaid on a UK repayment mortgage.
Enter this directly, or fill in property price and deposit below instead.
Mortgage term
Repayment mortgage only. Rates vary by lender, deposit size and credit profile — use this as an estimate, not a mortgage offer.
Estimated repayments
Monthly payment
£1,547
This is an estimate based on a standard capital + interest repayment mortgage with a fixed rate for the full term. Actual lender products vary — get a personalised quote from a mortgage broker or lender before making decisions.
How mortgage repayments are calculated
On a standard repayment mortgage, each monthly payment covers both interest and a portion of the capital you borrowed. Payments are calculated so the loan is fully repaid, with interest, by the end of the term. Early payments are weighted more towards interest; later payments pay off more capital.
Interest rates vary significantly between lenders, deposit sizes and credit profiles, and change over time — there is no single rate that applies to everyone. Use this calculator with a rate you've been quoted, or compare a few representative rates to understand the range of likely outcomes.