UK mortgage payment calculator

Monthly payments, total interest, and the difference fixed-term length makes. UK rates updated April 2026.

Property price £300,000

Deposit £60,000 (20%)

Interest rate (%) 4.5%

Mortgage term (years) 25 years

Mortgage type

Monthly payment

£0

Loan amount: £0

Total interest paid: £0

Total amount paid: £0

Loan-to-value (LTV): 0%

Stamp duty (England, residential, primary home):

£0

Important: Calculations use a fixed interest rate compounded monthly for the full term. Real UK mortgages typically have 2-5 year fixed periods then revert to variable rates — actual lifetime cost may differ. Stamp duty calculation uses England residential primary-home rates (April 2026). Scotland (LBTT) and Wales (LTT) have different bands. First-time buyer relief, second-home surcharge, and other circumstances change rates.

Not personalised financial advice. UK mortgages are a significant decision; consult a regulated UK mortgage broker (see our UK mortgage broker guide).