Mortgage Repayment
Estimate your monthly mortgage payment and total interest over the full term.
Monthly payment
£1,390
Total interest
£166,874
Total repaid
£416,874
Interest as % of loan
67%
Balance over time
In the early years, most of your payment is interest. Over time, more goes towards the principal.
This is a repayment (capital and interest) mortgage calculation. Interest-only mortgages have lower monthly payments but the full loan amount must be repaid at the end. Your actual rate may be fixed, tracker or variable. Mortgage fees and stamp duty are not included.
Assumptions
Based on 2026/27 UK tax rules for England. Tax bands: 20% to £50,270, 40% to £125,140, 45% above. Personal Allowance £12,570 (tapered above £100,000). National Insurance 8% on earnings between £12,570 and £50,270, 2% above. This is an educational estimate — not financial advice.