Mortgage Calculator

Estimate payments from a mortgage amount or a property price and deposit.
Add an optional fixed-rate and overpayment scenario.

Starting figures are examples. Change every value to match your circumstances.

Enter your figures

Calculate From

Annual interest rate (%)

Mortgage term (years)

Payment type

More Options (Optional)

The scenario starts after the first fixed-rate period and applies your lump sum before calculating the next payment. Enter assumptions, not predicted future rates.

Fixed-Rate And Overpayment Scenario

Updates automatically

Your estimate

Your estimate will appear here when the calculator is ready.

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Request records: 90 days. Inputs/results are not saved in the calculator database. Privacy policy (opens in a new tab).

Before you use the result

The basic estimate assumes the entered rate stays unchanged for the whole term. The optional scenario applies monthly payments during the first fixed period, then a lump-sum overpayment and your chosen next rate and remaining term. It does not forecast rates or total costs after the next fixed period. LTV assumes the property value stays unchanged. Fees, insurance, taxes and early-repayment charges are excluded; check your lender’s overpayment rules and any charges. Interest-only payments do not repay capital except for the entered lump sum. This is an illustration, not a mortgage quote or financial advice.

MoneyHelper mortgage guidance (opens in a new tab)

Calculations run locally unless you choose “Email my estimate”. That action sends your figures to the server for recalculation and email delivery, without saving inputs or results in the calculator database. Enter your own email address. BMI requires separate explicit consent to emailing health data and any ethnicity details you provide. Other site features and mail providers have their own processing. Read the privacy policy.

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Mortgage Calculator

Your estimate

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Your estimate

Email my estimate

Discover

Help

Get Started

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