Free UK Mortgage Calculator
Calculate your mortgage payments, affordability, and total interest in seconds. Our free calculator is accurate, easy to use, and updated for 2025. Plus access our salary, stamp duty, and loan calculators.
UK Mortgage Calculator
Our most popular tool. Calculate your monthly mortgage payments, total interest, and affordability. See exactly what you'll pay over the life of your mortgage.
- Monthly payment breakdown
- Total interest over term
- Loan-to-Value (LTV) ratio
- Stamp duty estimate
- Repayment vs interest-only
- Affordability calculator
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Other Free UK Calculators
In addition to our mortgage calculator, we offer these essential financial tools for UK residents.
Salary Calculator
Calculate your take-home pay after income tax, National Insurance, and pension contributions. Accurate for 2025/26 tax year.
- Monthly & annual take-home
- Income tax breakdown
- National Insurance calculation
- Student loan repayments
Stamp Duty Calculator
Calculate Stamp Duty Land Tax (SDLT) for property purchases in England and Northern Ireland. Includes first-time buyer relief.
- Band-by-band breakdown
- First-time buyer relief
- Additional property surcharge
- Total purchase cost
Loan Calculator
Calculate monthly payments and total interest for personal loans, car loans, and debt consolidation. Compare different loan terms.
- Monthly payment calculation
- Total interest breakdown
- Affordability check
- Multiple loan types
Why Use MortgageCalcUK?
100% Free
All our calculators are completely free to use with no hidden charges or registration required.
Always Up-to-Date
Updated for 2025 with the latest mortgage rates, tax thresholds, and stamp duty bands.
Accurate Results
Our calculators use official UK government rates and standard mortgage formulas for reliable results.
Mobile Friendly
Fully responsive design works perfectly on desktop, tablet, and mobile devices.
Private & Secure
All calculations are performed in your browser. We don't store or share your financial information.
Instant Results
Get immediate calculations with real-time updates as you adjust your inputs.
Who Uses Our Mortgage Calculator?
First-Time Buyers
Planning to buy your first home? Use our mortgage calculator to understand what you can afford and what your monthly payments will be. Factor in stamp duty with our integrated calculator.
Remortgaging Homeowners
Coming to the end of your fixed rate? Calculate your new monthly payments with current rates. Compare different loan terms and see how much you could save by remortgaging.
Property Investors
Buying a rental property? Our calculator includes interest-only options and additional property stamp duty surcharges. See if the rental income will cover your mortgage payments.
Moving Home
Upgrading or downsizing? Calculate your new mortgage payments and stamp duty costs. See how your monthly payments change with a different property price or deposit.
Mortgage Calculator FAQ
How accurate is the mortgage calculator?
Our mortgage calculator uses standard UK mortgage formulas and is highly accurate for estimating monthly payments and total interest. However, your actual mortgage offer may vary based on your credit score, lender fees, and specific circumstances. Always get a formal mortgage quote from lenders for exact figures.
Do I need to create an account?
No, all our calculators are completely free to use without any registration or account creation. Simply visit the calculator you need and start calculating immediately.
Is my financial information stored?
No, we don't store any of your financial information. All calculations are performed in your browser, and no data is sent to our servers. Your privacy and security are our top priorities.
What's the difference between repayment and interest-only mortgages?
With a repayment mortgage, you pay off both the interest and the loan amount each month, so you'll own the property outright at the end of the term. With interest-only, you only pay the interest, so you still owe the full loan amount at the end. Our calculator shows both options so you can compare.
How much can I borrow for a mortgage?
UK lenders typically offer 4-4.5 times your annual income. For example, if you earn £40,000, you could borrow £160,000-£180,000. However, affordability depends on your expenses, existing debts, and deposit size. Use our calculator to see what your monthly payments would be at different loan amounts.
Should I get a 2-year or 5-year fixed rate mortgage?
2-year fixes often have lower rates but you'll need to remortgage sooner. 5-year fixes offer longer-term security but may have slightly higher rates. If you think rates will fall, choose 2 years. If you want certainty and rates are low, lock in a 5-year fix. Our calculator lets you compare different terms.
Calculate Your Mortgage Now
Get instant, accurate results in seconds. No registration required.