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.
How Mortgage Repayment Calculations WorkUnderstand the amortisation formula behind monthly mortgage payments.How Mortgage Affordability Is AssessedSee how income multiples, outgoings, and stress tests shape borrowing power.How Offset Mortgages Actually WorkCompare offset savings against standard mortgage interest charges.Mortgage Overpayment: How Much Does It Save?Measure how extra payments reduce lifetime interest and term length.