UK mortgage repayment calculators
Standard UK repayment mortgages use monthly capital + interest amortisation. Enter your loan, rate and term to see the true monthly cost and lifetime interest.
Mortgage repayment calculator
Enter your figures, then add your name and phone to reveal the result. Free, no credit check.
More repayments calculators
Monthly mortgage payment calculator
Same amortisation formula focused on a single monthly figure.
Weekly mortgage payment calculator
Monthly payment ÷ 4.333 or ×12/52 to compare against weekly income.
Bi-weekly mortgage calculator
Effectively 13 monthly payments per year — shortens the term meaningfully.
Interest-only mortgage calculator
Monthly interest = loan × rate ÷ 12. Capital repaid at end via a repayment vehicle.
Fixed-rate mortgage calculator
Same monthly figure for the fixed period; recalculates on expiry.
Tracker mortgage calculator
BoE base + margin. Simulate rate rises/falls to see payment sensitivity.
Variable-rate mortgage calculator
SVR-based estimate — usually the highest of the three.
Every scenario above depends on lender-specific criteria (income multiples, ICR, stress rates, credit profile). A vetted FCA-regulated broker will run the exact numbers for your situation in one working day.
Frequently asked questions
Are UK mortgage payments monthly?
Yes — virtually all UK lenders collect payment monthly by direct debit. A handful offer weekly/fortnightly on request; bi-weekly is not standard in the UK.
What's the difference between capital + interest and interest-only?
Capital + interest clears the loan by the end of the term. Interest-only keeps the balance flat and you must repay the capital at the end from a separate source (ISA, sale, pension lump sum).
How much would a £200,000 UK mortgage cost per month?
At 4.5% over 25 years: ~£1,112/month capital + interest, or £750/month interest-only. Every 0.5% change is roughly £55/month on a £200k loan.
What's the longest UK mortgage term I can get?
Most lenders cap at 40 years. Some (Halifax, Nationwide) go to 40 years for first-time buyers; a smaller pool offers 45 years. Your age at the end of term must fit lender rules (usually 70–80).
Can I switch from interest-only to repayment mid-term?
Yes — most UK lenders allow it any time, free of charge. Payment rises, but total interest paid falls significantly.
Do UK mortgage payments change if the Bank of England base rate moves?
Only tracker and SVR mortgages move with base rate. Fixed rates are locked for 2/3/5/10 years — the change only hits when your fix ends and you remortgage.
What happens if I miss a UK mortgage payment?
A missed payment shows on your credit file for 6 years and triggers arrears fees. Contact the lender immediately — most will agree a payment plan or short-term hold before it escalates.