Mortgage calculator

Work out your monthly mortgage repayments in seconds. Enter your property price, deposit, interest rate and term to see a full cost breakdown.

Monthly repayment figure
Total interest over the term
Loan-to-value (LTV) ratio
Currency auto-set by location

Property price

Deposit

Annual interest rate (%)

Mortgage term (years)

Please fill in all required fields.

Understanding your mortgage

A repayment mortgage works by spreading your loan — plus interest — across your chosen term. In the early years, most of your monthly payment covers interest. Knowing your LTV ratio matters because lenders typically offer better rates below 90%, 85%, and 75% thresholds.

What is LTV and why does it matter?

LTV (Loan-to-Value) is the percentage of the property value you're borrowing. A lower LTV generally means lower interest rates.

Are these results accurate?

This calculator uses a standard amortisation formula. Your actual repayments may vary based on your lender, fees, and whether you're on a fixed or variable rate.