justyourcalculatorUK Mortgage Calculator
Monthly repayments in pounds for repayment or interest-only mortgages.
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UK Mortgage Calculator
UK mortgage repayments, repayment or interest-only
Monthly repayment
£1,500.75
- Mortgage amount
- £270,000.00
- Loan to value (LTV)
- 90%
- Total interest
- £180,224.31
- Total amount repaid
- £450,224.31
Interest charged monthly at the annual rate / 12. Stamp Duty Land Tax, arrangement fees and valuation fees aren't included. Your home may be repossessed if you don't keep up repayments.
- Principal270,000
- Interest180,224.31
- Balance
- Interest paid
- Principal paid
| Period | Payment | Interest | Principal | Balance |
|---|---|---|---|---|
| Year 1 | £18,008.97 | £12,027.64 | £5,981.34 | £264,018.66 |
| Year 2 | £18,008.97 | £11,752.85 | £6,256.12 | £257,762.54 |
| Year 3 | £18,008.97 | £11,465.45 | £6,543.52 | £251,219.02 |
| Year 4 | £18,008.97 | £11,164.84 | £6,844.13 | £244,374.89 |
| Year 5 | £18,008.97 | £10,850.42 | £7,158.55 | £237,216.34 |
| Year 6 | £18,008.97 | £10,521.56 | £7,487.41 | £229,728.93 |
| Year 7 | £18,008.97 | £10,177.59 | £7,831.38 | £221,897.54 |
| Year 8 | £18,008.97 | £9,817.82 | £8,191.16 | £213,706.39 |
| Year 9 | £18,008.97 | £9,441.52 | £8,567.46 | £205,138.93 |
| Year 10 | £18,008.97 | £9,047.93 | £8,961.04 | £196,177.89 |
| Year 11 | £18,008.97 | £8,636.26 | £9,372.71 | £186,805.18 |
| Year 12 | £18,008.97 | £8,205.68 | £9,803.29 | £177,001.89 |
| Year 13 | £18,008.97 | £7,755.32 | £10,253.65 | £166,748.23 |
| Year 14 | £18,008.97 | £7,284.27 | £10,724.71 | £156,023.53 |
| Year 15 | £18,008.97 | £6,791.58 | £11,217.40 | £144,806.13 |
| Year 16 | £18,008.97 | £6,276.25 | £11,732.72 | £133,073.41 |
| Year 17 | £18,008.97 | £5,737.25 | £12,271.72 | £120,801.69 |
| Year 18 | £18,008.97 | £5,173.49 | £12,835.48 | £107,966.21 |
| Year 19 | £18,008.97 | £4,583.83 | £13,425.14 | £94,541.07 |
| Year 20 | £18,008.97 | £3,967.08 | £14,041.89 | £80,499.18 |
| Year 21 | £18,008.97 | £3,322.00 | £14,686.97 | £65,812.20 |
| Year 22 | £18,008.97 | £2,647.28 | £15,361.69 | £50,450.52 |
| Year 23 | £18,008.97 | £1,941.57 | £16,067.40 | £34,383.11 |
| Year 24 | £18,008.97 | £1,203.44 | £16,805.54 | £17,577.58 |
| Year 25 | £18,008.97 | £431.39 | £17,577.58 | £0.00 |
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How the uk mortgage calculator works
On a repayment mortgage each monthly payment covers the interest and part of the capital, so the balance reaches zero at the end of the term. The payment is loan × r / (1 - (1 + r)^-n), with r the annual rate / 12.
On an interest-only mortgage you pay only the interest (loan × annual rate / 12) and repay the whole capital at the end, so you need a separate repayment plan.
Most UK deals fix or discount the rate for 2 to 5 years, then move to the lender's standard variable rate (SVR). Turn on the rate change to see the payment jump if you don't remortgage.
Using and checking your result
Published by JustYourCalculator. Check the units and assumptions above, and compare a known example before relying on the output. Calculations use browser arithmetic and may round displayed values.
This is an educational estimate, not a lender quote, tax filing calculation or investment recommendation. Actual costs depend on current rules, fees and your circumstances. Verify important decisions with official sources and a qualified adviser.
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