01 / MORTGAGE
Mortgage Repayment Calculator
Enter your loan amount, interest rate, and term to see your monthly payment and the full cost of your mortgage.
Mortgage Planning Cluster
Use this hub to move from the core repayment formula into affordability, offset, overpayment, and rent-versus-buy comparisons without leaving the mortgage cluster.
Loan Details
£300,000
4.50%
300 months
Results
Monthly Payment
£1,667
Total Repaid
£500,249
Total Interest
£200,249
67% of loan
Loan Amount
£300,000
at 4.50% over 25 years
Payment Breakdown
⟳ Bank of England base rate: 5.25% (Feb 2026). Results change when your deal ends or rates move.
Cluster Hubs
Use these organising pages when you want the main calculators and supporting guides for this topic grouped in one place.
Related Calculators
Move sideways to closely related calculators without leaving the same topic cluster.
Use the Mortgage AffordabilityThe maximum you can borrow based on income, deposit, and stress test.Use the Offset MortgageHow savings reduce mortgage interest and shorten your term.Use the Mortgage OverpaymentInterest saved and years removed by paying extra each month.Use the Rent vs BuyLong-term financial outcome of renting against buying.
Related Guides
Use these supporting explainers when you need the formula, assumptions, or decision framing behind the numbers.
Read 15-Year vs 30-Year Mortgage Cost: Why the Cheaper Monthly Option Is Often the Costlier LoanCompares the cash-flow comfort of a longer mortgage term with the higher lifetime interest it usually creates, using the same loan amount to keep the trade-off clear.Read Mortgage Amortization Schedule Explained: What Each Payment Is Actually DoingA practical guide to reading an amortization schedule, with a focus on why early mortgage payments look interest-heavy and how the balance starts falling faster later on.Read Mortgage Balance After 10 Years: When Equity Starts Feeling More VisibleExplains how the remaining mortgage balance looks after ten years and why the principal path usually becomes more satisfying once the interest-heavy early phase begins to fade.Read Mortgage Balance After 5 Years: Why It Is Usually Higher Than Borrowers ExpectShows how to think about the remaining balance after five years of repayments and why equity progress depends more on the early interest mix than most people realise.