Let's talk about your mortgage plans.
Whether you're buying your first home, moving, remortgaging or looking at something more complicated, we're here to help you understand your options.
Tell us a little about what you're looking to do and we'll get back to you to discuss your circumstances and the next steps.
See what your monthly mortgage payment could be.
Enter the mortgage amount, interest rate and mortgage term to get an indication of what your monthly repayment could look like.
Mortgage Repayment Calculator
Your monthly payment is only part of the picture.
The figure from the calculator gives you an indication of what your monthly mortgage payment could be based on the figures you've entered.
Your actual payment will depend on the mortgage you choose, the interest rate available to you, how much you borrow and the term of your mortgage.
Even small changes to the interest rate or mortgage term can make a noticeable difference to what you pay each month and the total amount you repay over the life of the mortgage.
Mortgage amount
The more you borrow, the higher your monthly repayments are likely to be.
Interest rate
The rate you pay affects both your monthly repayment and the overall cost of borrowing.
Mortgage term
A longer term can reduce your monthly payment, but may mean paying more interest over the lifetime of the mortgage.
A few changes can make a big difference.
Your mortgage payment isn't determined by the amount you borrow alone. The rate you secure and the length of your mortgage can both have a significant impact.
How much you borrow
Increasing your mortgage amount will normally increase your monthly repayment. Your deposit can therefore make a difference to both the amount you need to borrow and the mortgage deals available to you.
The interest rate
A lower interest rate generally means a lower monthly payment. The rate available to you can depend on your circumstances, deposit, loan-to-value and the mortgage product you choose.
The mortgage term
Spreading the mortgage over a longer period can reduce your monthly payment, although you could pay more interest overall.
Your mortgage type
Repayment and interest-only mortgages work differently. The figures you see here are an indication and shouldn't be taken as a quotation for a specific mortgage product.
Your calculator result is a starting point, not a mortgage decision.
A calculator can give you a useful idea of what your monthly repayments might look like. It can't take into account every part of your circumstances or the mortgage products available to you.
Once you know roughly what you're comfortable borrowing and paying each month, the next step is to look at your wider circumstances and work out what mortgage options may actually be available.
Check your budget
Consider your other household costs and make sure the payment fits comfortably within your monthly budget.
Understand your options
The right mortgage isn't necessarily the one with the lowest monthly payment. The rate, term, features and overall cost all matter.
Get advice based on your circumstances
A mortgage adviser can look at your income, deposit, commitments and plans before helping you explore suitable options.
The same mortgage can look very different from one person to the next.
Your income, deposit, existing commitments and plans can all influence the mortgage you may be able to get and the payments you could face.
Your income
Lenders look at your income when assessing how much you may be able to borrow. The way you earn your income can also affect how it is assessed.
Your deposit
A larger deposit can reduce the amount you need to borrow and may give you access to a wider range of mortgage rates.
Your commitments
Existing loans, credit commitments, childcare costs and other regular expenditure can all be considered when lenders assess affordability.
Your plans
Whether you're buying your first home, moving, remortgaging or investing in property, your plans can affect which mortgage options are worth considering.
Let's see what your monthly payment could mean for your mortgage plans.
Your calculator result is a useful starting point. We can look at your wider circumstances and help you understand what mortgage options and repayments may be available.
Explore My Mortgage Options