Mortgage Calculator.
Calculate your mortgage payments and affordability with my comprehensive UK mortgage calculator.
Estimates only • FCA Guidelines Applied • Capital at risk
£125k - £5M
Min 5% of property price
UK average 2026: 4.5%
5-40 years
Optional: pay off sooner & save interest
Key Information (UK 2026)
• Interest rates are variable and can change
• Stamp duty rates updated for 2026 budget (BTL/additional property includes 5% surcharge)
• Minimum deposit: 5% (10% for buy-to-let)
• Mortgage affordability checks required by lenders
• Interest Only: Principal repayment required at end of term
Need help with your mortgage?
I can help you find the right mortgage for your situation, compare rates from multiple lenders, and guide you through the application process. Get in touch for Personalised mortgage advice.
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This calculator provides estimates only and is not financial advice.