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UK Mortgage Calculator
Estimate UK mortgage monthly repayments from loan, rate, and term inputs.
This UK mortgage calculator estimates monthly repayments for UK style loan inputs on the page. Keep currency and rate assumptions consistent with a UK deal sheet.
A second UK labeled page also exists at the mortgage UK calculator URL. Prefer one page for your workflow to avoid mixed figures. For amortization detail, open the mortgage amortization calculator .
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Frequently Asked Questions
What does the default example show?
A £250,000 mortgage at 4.5 percent for 25 years has a payment of about £1,389.58.
Is this interest only?
No. It models a repayment mortgage that clears principal over the term.
Does it use UK day count quirks?
It uses a simple monthly PMT model. Lender systems may use slightly different compounding or rounding.
Are fees included?
No. Arrangement fees, valuation fees, and stamp duty are outside the payment.
Can I model overpayments?
Not on this page. Lower the balance or shorten the years for a rough overpayment style what if.
Is currency conversion handled?
No. Enter amounts in the currency of the loan quote you are comparing.
How do I compare to a US style form?
Use the mortgage calculator for a similar PMT style estimate with years or months depending on that tool.
What rate should I enter?
Use the annual interest rate on the product quote, not a temporary cashback headline alone.