Mortgage Calculator UK
Monthly repayments and total cost for any mortgage size, rate and term.
Result
Mortgage Calculator UK — FAQs
£250,000 mortgage monthly cost?
~£1,390/month at 4.5% over 25 years; ~£1,535 at 5.5%.
Repayment vs interest-only?
Repayment clears the loan; interest-only pays only interest and leaves the balance outstanding at term end.
How much can I borrow?
Typically 4–4.5× household income, subject to affordability checks.
How much can I borrow on a mortgage?
Typically 4–4.5× household income, up to 5–6× for some professions — subject to affordability stress-testing at higher rates.
What is a mortgage APR?
APRC wraps the interest rate plus fees into one comparable figure — headline rates ignore arrangement fees which can be £1,000+.
Fixed vs tracker mortgage?
Fixed locks your rate for the term (certainty); tracker follows the Bank of England base rate ± a margin (flexibility, risk).
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