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Estimate repayment, rate sensitivity, overpayments and England/Northern Ireland SDLT under editable assumptions.
Whole pounds; enter £0–£10,000,000.
Whole pounds; enter £0–£350,000.
Use a lender or broker quote; no live rates are shown. Allowed range: 0–20.
Allowed range: 5–40.
Whole pounds; enter £0–£2,000,000.
Whole pounds; enter £0–£2,000,000.
Whole pounds; enter £0–£100,000.
Allowed range: 1–10.
Allowed range: 1–70.
Whole pounds; enter £0–£20,000.
Illustrative monthly repayment
Editable sample£1,668
25 years at the entered 4.5% annual rate · loan £300,000 · deposit 14.3%
Total interest
£200,249
Loan-to-value
85.7%
England/NI SDLT
£2,500
Assumption-based borrowing ceiling
£270,000
The entered loan is £30,000 above the figure produced by your current income-multiple and payment-share assumptions. This comparison is illustrative and does not indicate lender eligibility.
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Principal and modelled interest at the entered rate, including entered monthly overpayment
| Component | Amount (£) |
|---|---|
| Principal | £300,000.00 |
| Interest | £200,249.23 |
| Total repaid | £500,249.23 |
Based on the entered fixed rate and monthly overpayment
| Year | Balance | Interest paid to date | Principal repaid to date |
|---|---|---|---|
| 1 | £293,354.07 | £13,364.04 | £6,645.93 |
| 2 | £286,402.83 | £26,422.77 | £13,597.17 |
| 3 | £279,132.25 | £39,162.15 | £20,867.75 |
| 4 | £271,527.65 | £51,567.53 | £28,472.35 |
| 5 | £263,573.71 | £63,623.56 | £36,426.29 |
| 6 | £255,254.36 | £75,314.18 | £44,745.64 |
| 7 | £246,552.83 | £86,622.61 | £53,447.17 |
| 8 | £237,451.54 | £97,531.30 | £62,548.46 |
| 9 | £227,932.15 | £108,021.87 | £72,067.85 |
| 10 | £217,975.43 | £118,075.13 | £82,024.57 |
| 11 | £207,561.31 | £127,670.97 | £92,438.69 |
| 12 | £196,668.76 | £136,788.39 | £103,331.24 |
| 13 | £185,275.81 | £145,405.41 | £114,724.19 |
| 14 | £173,359.47 | £153,499.04 | £126,640.53 |
| 15 | £160,895.70 | £161,045.24 | £139,104.30 |
| 16 | £147,859.34 | £168,018.85 | £152,140.66 |
| 17 | £134,224.10 | £174,393.57 | £165,775.90 |
| 18 | £119,962.45 | £180,141.90 | £180,037.55 |
| 19 | £105,045.63 | £185,235.04 | £194,954.37 |
| 20 | £89,443.53 | £189,642.91 | £210,556.47 |
| 21 | £73,124.67 | £193,334.03 | £226,875.33 |
| 22 | £56,056.13 | £196,275.45 | £243,943.87 |
| 23 | £38,203.46 | £198,432.75 | £261,796.54 |
| 24 | £19,530.64 | £199,769.90 | £280,469.36 |
| 25 | £0.00Balance at the final modelled amortisation year | £200,249.23 | £300,000.00 |
Required repayment at entered rate plus 0, 1, 2 or 3 percentage points; balance and term held constant
| Rate scenario | Annual rate | Required repayment | Outlay with entered overpayment | Required repayment / gross income |
|---|---|---|---|---|
| Current rate | 4.50%Value for the selected mortgage setting | £1,667.50 | £1,667.50 | 33.35% |
| +1% | 5.50% | £1,842.26 | £1,842.26 | 36.85% |
| +2% | 6.50% | £2,025.62 | £2,025.62 | 40.51% |
| +3% | 7.50% | £2,216.97 | £2,216.97 | 44.34% |
This UK mortgage calculator estimates a repayment mortgage from the property price, deposit, entered annual rate, term and monthly overpayment. Its borrowing illustration is controlled by your chosen assumptions; it is not a lender affordability assessment or product quote.
The monthly repayment uses standard amortisation with the entered rate held constant for the modelled term. The balance schedule, total interest and overpayment comparison are derived from the same estimate. The rate stress view applies the entered rate plus 0, 1, 2 or 3 percentage points while holding the loan and term constant; those rates are what-if examples, not a forecast.
Stamp Duty Land Tax is estimated only for residential purchases in England and Northern Ireland using the modelled assumptions and residential rates effective from 1 April 2025. Wales uses Land Transaction Tax and Scotland uses Land and Buildings Transaction Tax; this calculator does not estimate either devolved tax. The 2% non-UK-resident surcharge and special transaction cases are not modelled. The estimate does not determine eligibility for reliefs, include every transaction rule, or replace advice from a conveyancer or lender. It excludes most purchase costs, lender fees, maintenance, tax on income, credit checks and underwriting.
Start with GOV.UK, HMRC, the FCA and the devolved tax authorities. The MoneyHelper entries are identified as independent Money and Pensions Service resources and appear only where the official GOV.UK records above link to the exact tool or guidance page.