Mortgage calculator
Repayment mortgage estimate: monthly payment, yearly totals, total interest, and an interactive balance chart.
Inputs
The amount you borrow (not the property price).
Simple model: overpayment reduces balance immediately. Real lenders may have rules/limits.
Monthly payment
£—
Total paid
£—
Total interest
£—
Payoff time (with overpayments)
—
Tip: adjust rate/term to see how interest changes.
Balance
FAQ
Is this an exact quote?
No — it’s an estimate. Fees, compounding details, and lender-specific rules can change the true figures.
How is the monthly payment calculated?
Standard amortisation formula for a repayment loan using the APR as a nominal monthly rate (APR/12).