Mortgage Calculator

Calculate your monthly repayments, total interest, and full amortisation breakdown.

Loan Details
£
£50k£2m
£
%
0%100%
%
0.5%15%
years
1yr40yrs
Monthly Payment
£0
—
Total Repayable
£0
—
Total Interest
£0
—
Loan to Value
0%
—
Cost Breakdown
Rate Comparisonvs current rate

Affordability Checker

Find out how much you can borrow based on your income and outgoings.

Your Income & Outgoings
£
£
£
Car finance, credit cards, loans etc.
£
%
years
Max Borrowing
£0
4.5× salary rule
Max Property Value
£0
with 10% deposit
Monthly Payment
£0
—
Stress Test Rate
0%
+3% stress test
Borrowing Scenarios
Affordability Rating
TightComfortableExcellent

Compare Lenders

See how major UK lenders compare for your loan amount and term.

Market Comparison
Based on £280,000 loan over 25 years
Lender vs Cheapest
Rates are illustrative and updated periodically. Always confirm directly with lenders. Not financial advice.

Your Mortgage in Numbers

Simple charts that show exactly where your money goes and how your mortgage shrinks over time.

What you owe vs what you own
The red line is your remaining mortgage debt. The green line is your share of the property. They cross when you own more than you owe.
Where does each year's payments go?
Each bar is one year. The red part is money that goes to the bank as interest — it doesn't reduce your debt. The dark part actually pays off your loan. Notice how the split changes over time.

Amortisation Schedule

Full month-by-month breakdown of every payment.

Schedule
# ↕ Date Payment ↕ Principal ↕ Interest ↕ Balance ↕ Equity ↕
Run a calculation first.

Calculation History

Your saved mortgage calculations.

Saved Calculations
No saved calculations yet.