UK Mortgage Calculator

Work out your monthly mortgage repayment, total interest, loan-to-value ratio and stamp duty — including first-time buyer relief.

Your figures

£
£
Most lenders require at least 5%. Bigger deposits unlock better rates.
%
years

Your monthly repayment

Monthly payment
£0
capital and interest
Loan amount
£0
Loan-to-value
0%
Total repaid
£0
Total interest
£0
Stamp duty (estimated)£0
Effective rate of property price0%
Total cash needed at completion£0
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This calculator gives an estimate for illustrative purposes only and does not constitute financial advice. Actual mortgage payments depend on the lender, product fees, and your individual circumstances. Stamp duty figures reflect the post-April 2025 thresholds for England and Northern Ireland (SDLT), Scotland (LBTT) and Wales (LTT) but are estimates only. Always speak to a qualified mortgage adviser before making a decision.

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Built for UK first-time buyers and remortgagors. No sign-up, no email, no tracking your inputs.

Stamp Duty Calculator England, Scotland (LBTT) & Wales (LTT) — including FTB relief and the 5% second-home surcharge. Calculate stamp duty → Overpayment Calculator See how many years and how much interest you save by overpaying — monthly or lump sum. Try overpayments → Deposit Savings Calculator Plan how long until you've saved a 5%, 10% or 15% deposit — including the LISA bonus. Plan your deposit →