Mortgage Calculator

Estimate your monthly repayments, repayment or interest-only, updated as you type.

Three things that move the number

Interest rate

Even a 0.5% difference changes your monthly payment and total cost significantly. Fixed rates give certainty; variable rates can move with the base rate.

Mortgage term

A longer term means lower monthly payments but more interest paid overall. Most residential mortgages run 25–30 years.

Deposit size

A bigger deposit means a lower loan-to-value ratio, which typically unlocks better interest rates.