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Mortgage Calculator UK
Free UK mortgage calculator: monthly repayment, loan to value, interest-only payment, total interest and what happens if rates rise 3%, with the usual 4.5× income check.
Your mortgage
Monthly repayment
£1,500.75
| Mortgage amount | £270,000 |
| Loan to value (LTV) | 90% |
| Interest-only payment | £1,012.50 a month |
| Total interest | £180,224 |
| Total repaid | £450,224 |
| If rates rose 3% (to 7.5%) | £1,995.28 a month |
Lower LTV bands (60%, 75%, 85%, 90%) usually get better rates. A fixed rate keeps the payment the same until the deal ends; then you move to the lender's standard variable rate unless you remortgage.
Repayment mortgage with interest charged monthly. Fees and stamp duty not included. Not legal, tax or financial advice. 🔒 Everything stays on your device.
📚 Official sources: MoneyHelper: buying a home
We build every tool from the official rules and re-check them when they change. Always confirm with the official source before you rely on a result.
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Questions people ask
How much is a £250,000 mortgage a month?+
About £1,390 a month over 25 years at 4.5% (repayment). Interest-only would be about £938.
How much can I borrow?+
Most lenders lend up to about 4 to 4.5 times household income, after checking your spending and debts.
What is LTV?+
Loan to value: the mortgage as a % of the price. A 10% deposit means 90% LTV; bigger deposits usually get lower rates.