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UK Mortgage Calculator 2025/26
Calculate mortgage affordability, monthly payments, stamp duty, and total costs for UK property purchases.
How Much Can I Borrow?
Optional – leave as 0 if buying alone
Loans, credit cards, car finance, etc.
Borrowing Capacity
Maximum Borrowing:
£0
Maximum Property Price:
£0
Loan-to-Value (LTV):
0%
Estimated Monthly Payment:
£0
Assumptions
Income Multiplier:
4.5x
Interest Rate Used:
4.95%
Mortgage Term:
25 years
Monthly Payment Calculator
Monthly Payments
Monthly Payment:
£0
Total to Repay:
£0
Total Interest:
£0
Loan-to-Value:
0%
Additional Costs
Stamp Duty:
£0
Arrangement Fee:
£999
Legal Fees:
£1,000
Survey:
£600
Total Upfront Costs:
£0
Overpayment Impact
Overpayment Benefits
Interest Saved:
£0
Time Saved:
0 years, 0 months
New Payoff Date:
–
Total Paid (with overpayments):
£0
Without Overpayments
Monthly Payment:
£0
Total Interest:
£0
Total Paid:
£0