UK Mortgage Calculator

Work out monthly repayments, stamp duty, and how overpayments shorten your term — for England, Scotland and Wales. Your numbers save automatically to this device.

Your mortgage

The price you're offering / agreed.
LTV: 80%
Overpayments

See how paying extra each month (or a one-off lump sum) shortens your term and saves interest.

Affordability check

UK lenders typically offer 4× to 4.5× your annual income, up to 5× for some borrowers.

If you're buying jointly, enter combined income.
— Enter your income to see affordability.

Results

Monthly payment £0/ month
Loan amount £0
Total interest £0
Total repaid £0
LTV 0%

Balance over time

Balance remaining Cumulative interest Cumulative principal

Stamp duty

England & Northern Ireland
Total stamp duty £0

Amortisation schedule
Period Payment Principal Interest Balance
Saved scenarios

Save the current numbers as a named scenario, then load or compare up to four side-by-side.