Estimate your monthly mortgage repayments and view the full repayment plan
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£180,224 interest
See how your loan balance reduces over time. Each year shows how much goes towards principal (paying off the loan) vs interest.
| Year | Payment | Principal | Interest | Balance |
|---|---|---|---|---|
| 1 | £18,009 | £5,981 | £12,028 | £264,019 |
| 2 | £18,009 | £6,256 | £11,753 | £257,763 |
| 3 | £18,009 | £6,544 | £11,465 | £251,219 |
| 4 | £18,009 | £6,844 | £11,165 | £244,375 |
| 5 | £18,009 | £7,159 | £10,850 | £237,216 |
Monthly repayment is what you'd pay each month on a capital repayment mortgage, which gradually pays off both the interest and the loan itself.
Interest-only shows what you'd pay if you only covered the interest each month. With this type, you'd still owe the full loan amount at the end.
Loan-to-value (LTV) is the percentage of the property's value you're borrowing. Lower LTVs often mean better interest rates.
Repayment Plan shows how your loan is paid off over time. In the early years, most of your payment goes towards interest. As the balance decreases, more goes towards principal.
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This calculator provides estimates for guidance only and does not constitute financial advice. Actual mortgage rates depend on your circumstances and the lender's criteria.
Property valuations are AI-generated estimates based on local market data, EPC certificates, and historical sales. They should not be used as a substitute for a professional valuation.
Always verify current rates with a qualified adviser and compare multiple lenders before making any decisions.