How much can I borrow?
Find out how much you might be able to borrow based on your income.
Mortgage calculator
Free mortgage calculators, from repayment to estimated borrowing
Mortgage calculator (repayment and interest only)
Enter a few details and find out how much you can expect to pay each month, along with your total mortgage cost over the course of the term.
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Results
Let's find how much your repayments might be. Just pop in a few details to get started.
What is a mortgage calculator?
A mortgage calculator can help you work out your monthly repayments or understand how much you could borrow.
Our calculator estimates monthly repayments for a repayment or interest only mortgage using the standard amortisation formula.
A mortgage calculator should not replace a full affordability assessment or illustration from your lender - it should only be used for quick calculations and estimates.
Key assumptions
Interest is compounded monthly
The best available rate by the calculator is assumed to apply for the full mortgage term
Results are estimates and do not replace a full affordability assessment
For example
If you're buying a property worth £335,000, put down a £50,000 deposit, and borrow over 30 years at a 4.26% interest rate:
Your monthly repayment is £1,404
You're borrowing £285,000
The total amount repayable over those 30 years is £505,332
What you can use this mortgage calculator for
Estimate your monthly repayments by inputting the purchase price, deposit size, and term
Check if the repayments seem affordable before a full affordability check
Understand the total cost of borrowing, and how shortening and lengthening the term affects your monthly repayments and total amount payable
A mortgage calculator is less about giving an exact quote and more about helping you make the most informed decision before you speak with a lender or broker.
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Reviewed on 6 May 2026 by
