Bank of England Bank Rate
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Illustrative only · not a quote
See what your mortgage might cost — then choose your next step.
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Mortgage calculator
For illustration only — not a mortgage quote or recommendation.
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£
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LTV
85.1%
Est. market rate
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Estimated monthly payment
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Total repayable
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Rates shown are illustrative average market rates — not advice, not a quote.
Repayment mortgage illustration using the standard amortisation formula. Your actual rate and payment will depend on your circumstances and lender criteria.
Bank of England Bank Rate
Reference rate — updated when you load this page.
Bank of England Bank Rate for reference only — not a mortgage quote or recommendation.
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Request callback →How our mortgage calculator works
A mortgage calculator can help you work out your monthly repayments or understand how much you could borrow. Our calculator estimates monthly repayments for a repayment mortgage using the standard amortisation formula.
A mortgage calculator should not replace a full affordability assessment or illustration from your lender — it should only be used for quick calculations and estimates.
Key assumptions
- Interest is compounded monthly
- The best available rate used by the calculator is assumed to apply for the full mortgage term
- Results are estimates and do not replace a full affordability assessment
For example
If you're buying a property worth £335,000, put down a £50,000 deposit, and borrow over 30 years at a 4.26% interest rate:
- Your monthly repayment is £1,404
- You're borrowing £285,000
- The total amount repayable over those 30 years is £505,332
What you can use this mortgage calculator for
- Estimate your monthly repayments by inputting the purchase price (or outstanding balance for remortgage), deposit or equity, and term
- Check if the repayments seem affordable before a full affordability check
- Understand the total cost of borrowing, and how shortening and lengthening the term affects your monthly repayments and total amount payable
A mortgage calculator is less about giving an exact quote and more about helping you make the most informed decision before you speak with a lender or broker.
How changing the rate or term affects your mortgage
These examples assume borrowing £200,000 at 4.26% over 25 years.
Important: These examples are illustrative only and assume the interest rate stays the same for the full mortgage term.
Important — illustrative figures only
This calculator provides an estimate based on the inputs you enter. Estimated rates may be generated using AI or static LTV bands — they are not mortgage offers, quotations, or recommendations. MortgageEasy offers regulated mortgage advice — your home may be repossessed if you do not keep up repayments on your mortgage. See our initial disclosures for more information.