Mortgage tools
Set your property price, deposit, interest rate and term to see estimated monthly payments, total interest and a month-by-month repayment schedule.
This calculator is for illustration only and is not personal financial advice. Mortgage lending is subject to status and affordability checks. If you do not keep up repayments on your mortgage, your home may be repossessed.
Estimated mortgage amount: £200,000
Any overpayment reduces the balance faster and can shorten the time it takes to clear the mortgage.
For exact figures and product recommendations, speak to a qualified mortgage adviser.
No. This page is a guide only and not a mortgage offer or personal recommendation. Lenders will look at your income, outgoings, credit history and other factors when deciding whether to lend.
On a repayment mortgage, your monthly payment covers interest and some of the capital, so the balance gradually reduces. On an interest-only mortgage, you normally only pay the interest – you still owe the full amount at the end of the term and need a separate plan to repay it.
The calculator assumes a fixed rate for the full term and regular overpayments. In reality, interest rates and mortgage products can change, so treat this as a rough illustration rather than a guarantee.
Yes. An FCA-authorised adviser can look across a range of lenders and products, explain the pros and cons, and help you work out what you can afford. If you’d like to speak to someone, use the enquiry form on this page.
Estimated monthly payment
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Figures are estimates only. Actual payments, fees and interest will depend on your lender, product type and individual circumstances.
If you’d like to speak to an FCA-authorised mortgage adviser, you can send an enquiry using this form. They’ll contact you to discuss your options. We don’t give advice ourselves – we just introduce you.
If you’re planning to sell in Scotland, you’ll need a Home Report before marketing your property. Tell us about your home and we’ll pass your details to surveyors who cover your area.