UK Mortgage Calculator

Punch in the house price, your deposit, the interest rate you've been quoted and the term. We'll show the monthly repayment, what you'll pay overall, the loan-to-value ratio, and the stamp duty you'll owe (with first-time buyer relief applied where it qualifies).

House priceDepositInterest rateTerm (years)

First-time buyer (claim stamp duty relief if price ≤ £500,000)

Loan amount

£245,000

LTV

89.1%

Monthly repayment

£1,432.25

Total interest

£184,674

Total repaid

£429,674

Stamp duty (FTB)

£0

About these figures. Illustrative only — not a mortgage offer or financial advice. Stamp duty figures use the 2025/26 SDLT rates for England and Northern Ireland; Scotland uses LBTT and Wales uses LTT and will give different numbers. For a regulated recommendation, speak to a mortgage broker authorised by the FCA.

Important — this is general information, not financial advice. Figures and examples are illustrative and may go out of date. This is not a personal recommendation. For advice tailored to your situation, speak to an FCA-authorised adviser.

Last reviewed: 13 July 2026