🏦Mortgage Repayment
Mortgage Repayment Calculator UK
Estimate monthly capital & interest repayments, loan-to-value brackets, and stress-test post-deal variable rates across UK lenders.
🏦Mortgage Repayment & Loan Amortisation
Calculate repayment and interest-only mortgages, stress-test follow-on SVR, and LTV.
£
LTV: 80 %
£
%
Net Loan Amount:£2,380,000
Loan-to-Value (LTV):80 %
Total Interest (25 Yrs):£1,528,098
Remaining Balance (25 Yrs):£0
Monthly Repayment (P&I):
£13,027
Capital and interest repaymentPrincipal vs. Interest
Payment Breakdown
Annual distribution between principal (blue) and interest (grey)
Ø Durchschnitt£156,324
Ø Durchschnitt:
Principal:£95,200Interest:£61,124
Principal
Interest
Balance Trend
Amortization & Equity Curve
Remaining debt (blue) vs. cumulative repaid equity (green)
Ø Durchschnitt£1,353,239
Ø Durchschnitt:
Remaining Balance:£1,353,239Capital Repaid:£1,026,761
Remaining Balance
Capital Repaid
FAQ & Knowledge
Frequently Asked Questions: Mortgage Repayment
Key mortgage guidelines, statutory fees, and investment benchmarks at a glance:
?What is the difference between repayment and interest-only mortgages in the UK??
A repayment mortgage pays off both capital debt and interest monthly, ensuring full ownership at term end. An interest-only mortgage only covers monthly interest; the initial loan balance must be repaid via an investment vehicle or property sale.
?What happens when a fixed-rate mortgage deal ends??
Unless you remortgage to a new deal, your loan automatically reverts to the lender's Standard Variable Rate (SVR), which is typically much higher than fixed or tracker rates.
?Can I overpay my mortgage without incurring early repayment charges (ERCs)??
Most UK fixed-rate mortgages allow overpayments of up to 10% of the outstanding balance per year without penalty, significantly reducing term length and interest.
?What is an arrangement fee and should I pay it upfront or add it to the loan??
Lender arrangement fees typically cost £999 to £1,499. Adding the fee to your mortgage balance preserves immediate cash, but incurs interest charges over the entire term.
?What is Loan-to-Value (LTV) and why does it dictate interest rates??
LTV is the percentage of the property value borrowed. Lenders offer lower interest rates at lower LTV tiers (60%, 75%, 80%, 85%, 90%, 95%), as lower loan ratios carry less default risk.
?What is an agreement in principle (AIP / DIP)??
A Decision in Principle (AIP/DIP) confirms in writing how much a mortgage lender is prepared to lend based on initial credit and income checks, demonstrating serious buying power to estate agents.
💡
Suggestion or Feature Request?
Are you missing a specific mortgage calculator, local market metric, or feature? We welcome any feedback to improve the platform.
🐞
Report a Calculation Issue
Did you spot a calculation discrepancy, incorrect tax rate, or a broken link? Let us know directly so we can inspect and fix it immediately.
