Free mortgage repayment calculator
Estimate monthly mortgage payments before you commit.
Work out the monthly repayment, total interest, total repaid, deposit percentage, and loan-to-value for a repayment mortgage.
Practical purchase planning
Model a home price, deposit, rate, and term before comparing overpayments or affordability.
Estimated monthly payment
£1,334
Based on a 80% loan-to-value mortgage.
Inputs
Mortgage details
Estimate
Results
Monthly repayment
£1,334
Mortgage amount
£240,000
Loan-to-value
80%
Total interest
£160,199
Total repaid
£400,199
Assumes a repayment mortgage with a fixed interest rate for the full term. Fees, insurance, taxes, and rate changes are not included.
Balance path
Estimated mortgage balance over time
| Year | Balance | Interest paid | Principal paid |
|---|---|---|---|
| 0 | £240,000 | £0 | £0 |
| 5 | £210,859 | £9,645 | £6,363 |
| 10 | £174,380 | £8,043 | £7,965 |
| 15 | £128,717 | £6,037 | £9,971 |
| 20 | £71,555 | £3,526 | £12,482 |
| 25 | £0 | £383 | £15,625 |
Important disclaimer
This calculator provides estimates only and does not constitute financial advice. Mortgage costs may vary depending on lender fees, product fees, insurance, taxes, rate changes, repayment rules, and your final mortgage offer.