Home buyers comparing affordability and monthly payments.
UK Mortgage Calculator
Calculate your monthly mortgage payment based on property price, deposit, interest rate, and term. Instant results with amortization chart.
How we calculate this - methodology, formulas & sourcesYour monthly payment
£1,251
£407 principal · £844 interest
Total repayable
£375,187
Total interest
£150,187
Loan amount
£225,000
Loan-to-value
90%
High LTV (90%)
At 90% loan-to-value, most lenders charge higher interest rates and may require mortgage indemnity insurance. Consider increasing your deposit to get below 80% LTV for better deals.
Principal vs interest remaining
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🇬🇧 Market snapshot: United Kingdom
Data sourced from central banks and statistics offices. Last verified Feb 2026.
For illustration only. Actual rates depend on your lender, credit history, and property.