Mortgages · Your inputs

Mortgage repayment calculator UK

Estimate UK mortgage repayments, monthly payments and total interest. Compare loan amounts, interest rates and terms with a clear repayment example.

Enter your figures

Your estimate

Estimated monthly repayment

£1,111.66

Total repaid£333,499.49

Total interest£133,499.49

Amount borrowed£200,000.00

Equal monthly capital-and-interest payments. Assumes a constant annual nominal interest rate divided by 12, with no fees, rate changes or overpayments. Your lender’s figures may differ.

How the mortgage repayment calculator uk works

Monthly rate r = annual rate ÷ 1200. Payment = P × r ÷ (1 − (1 + r)⁻ⁿ). At 0%, payment = P ÷ n.

Data basis: mathematical formula using your inputs. Example prices and rates are illustrative, not current market quotes.

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Worked example: mortgage repayment

This illustration uses the calculator’s example inputs. It is not a quote or a recommended financial decision.

Mortgage amount (£): 200,000
Annual interest rate (%): 4.5
Term (years): 25

Estimated monthly repayment: £1,111.66

Monthly rate r = annual rate ÷ 1200. Payment = P × r ÷ (1 − (1 + r)⁻ⁿ). At 0%, payment = P ÷ n.

Mortgage repayment: questions answered

Does this mortgage calculator include interest and capital?

Yes. It models a repayment mortgage with both capital and interest in each monthly payment. It assumes a constant rate; fees and future rate changes are excluded.

Plan the next step

Interest-only mortgage calculator UK: Estimate interest payments and the capital still due.

Mortgage overpayment calculator UK: See the effect of a fixed extra monthly mortgage payment.

Browse the mortgages calculators for more tools in this topic.

Using your result

Example inputs are a starting point. Replace them with your figures and select Calculate result. Results are rounded for display; calculations use unrounded values.

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