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🏠 Mortgage Repayment Calculator

How much will your mortgage really cost?

Calculate your monthly repayments, total interest paid, and see a full year-by-year breakdown of your mortgage over its lifetime.

🇬🇧 UK Mortgages 💵 Repayment & Interest-Only 📈 Amortisation Schedule ⚡ Instant Results
£0 Monthly Payment
£0 Total Interest
£0 Total Repaid
0% Loan-to-Value
Calculator

Enter Your Mortgage Details

Enter your property value, deposit, interest rate and term to calculate your full mortgage breakdown including charts and a year-by-year repayment schedule.

🏠 Mortgage Details
£
£50k£2m
£
£0£1m
%
0.5%15%
yrs
£
See how overpaying reduces your term and interest costs
Fixed £ amount
£
Arrangement, product or broker fees

Repayment Breakdown

Based on your inputs

🏠
Property Value
Purchase price
£350,000
💵
Deposit
20% LTV
£70,000
📄
Loan Amount
Amount borrowed
£280,000
📈
Total Interest
at 4.5% over 25 years
£0
Total Amount Repaid
Principal + interest
£0
Cost Breakdown
0% interest ratio
Principal  £0
Interest  £0

Your Mortgage Over Time

See how your outstanding balance reduces over the term and how the split between capital and interest changes each year.

Outstanding Balance

How your remaining mortgage reduces year by year

Annual Principal vs Interest

How much of each payment goes to capital vs interest

Amortisation Schedule

Full year-by-year repayment breakdown

Year Payment Principal Interest Balance

Compare Two Mortgages Side by Side

Enter details for two different mortgages — different rates, terms, or deposit sizes — and see exactly which deal saves you more money.

▶ Mortgage A
£
£
%
yrs
£
£
Fees are added to the loan for like-for-like comparison
▶ Mortgage B
£
£
%
yrs
£
£
Fees are added to the loan for like-for-like comparison
🏆

Mortgage A saves you more overall

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▶ Mortgage A

Loan Amount
Monthly Payment
Interest Rate
Mortgage Term
Total Interest
Total Repaid
LTV

▶ Mortgage B

Loan Amount
Monthly Payment
Interest Rate
Mortgage Term
Total Interest
Total Repaid
LTV

Outstanding Balance Over Time

How each mortgage balance reduces across the full term

Cumulative Interest Paid

Total interest accumulated year by year for each mortgage

Need mortgage or property advice?

Our accountants can help you understand the tax implications of property ownership, rental income, and more.

⚠️ These figures are estimates for illustrative purposes only. Actual mortgage repayments will vary based on your lender's terms, fees, and any rate changes during your mortgage term. This calculator does not constitute financial or mortgage advice. Always speak to a qualified mortgage adviser before making decisions based on these figures. Your home may be repossessed if you do not keep up with repayments.