Mortgage Calculator
Our mortgage calculator helps you estimate your monthly repayments and provides a guide to how much you may be able to borrow when purchasing your new home.
Please note that this calculator provides an illustration only. Your actual mortgage payments may vary depending on factors such as interest rates, lender criteria, your financial circumstances, and market conditions. We recommend discussing your options with us before making any financial commitment.
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Results
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This calculation is only a guide. We can't give financial advice, so always check with an adviser. It applies to UK residents buying only.
Mortgage Calculator for 2026
Interest Rate Impact
Mortgage repayments can increase if interest rates rise, particularly with variable or tracker products.
Example: £250,000 Mortgage Over 25 Years
Interest Rate
Estimated Monthly Repayment
Difference
4%
£1,320 approx.
—
5%
£1,460 approx.
+£140
6%
£1,610 approx.
+£290
Illustrative figures only.
Lenders assess affordability at higher stress-tested rates to ensure repayments remain manageable if rates increase.
Borrowing Capacity
Most UK lenders offer between 4 and 4.5 times annual income, subject to affordability checks.
The amount you can borrow depends on:
Income and employment
Existing commitments
Credit history
Deposit size
The calculator provides guidance only. Final borrowing limits are confirmed following a full lender assessment.
Important Information
This calculator provides an estimate only and does not guarantee eligibility.
Actual mortgage offers depend on lender criteria, affordability checks, credit history, and market conditions.
Interest rates may change over time, particularly for tracker or variable rate products.
Your home may be repossessed if you do not keep up repayments on your mortgage.
The calculator does not include additional costs such as arrangement fees, valuation fees, legal costs, insurance, or stamp duty.
Always seek personalised advice from a qualified mortgage adviser before proceeding with a property purchase.
Frequently Asked Questions
Find answers to common questions about mortgage calculator.
