How we estimate your mortgage repayments

In just a couple of minutes you can calculate mortgage payments and get a quick estimate on what your monthly mortgage repayments might be. We calculate this by taking the amount you need to borrow plus details of your deposit and your preferred mortgage term.

If you’re remortgaging your current property, we just need an estimate of the current value of the property and the amount of mortgage you have outstanding. This will allow us to calculate mortgage repayments and provide you with an estimate on how much it is likely to cost you on a monthly basis. Using our calculator before you begin an application can help you to work out whether a mortgage is affordable or not.

The mortgage repayment calculator is designed to show you an estimate on typical monthly costs based on how much mortgage you take out. This is different from understanding the total mortgage value you could borrow. If you’re not sure how much you need to borrow at this stage, it’s fine to just provide an estimate based on the kinds of property you are looking at or the areas you’d like to move to. Alternatively if you’d like to make your repayment calculation more accurate, you can use our borrowing calculator to find out how much you might be able to borrow. 

What next?

If you are interested in jumping straight to our current mortgage deals, you can find the right mortgage to suit you with our mortgage finder tool. Or apply for a Decision in Principle.

Try our other mortgage calculators & tools


Borrowing calculator

Find out how much we may be able to lend you by answering a few questions about your income and outgoings.

Takes approximately 5 minutes to complete.

Call us or book an appointment

Speak to one of our friendly advisers about your options.

9am - 5pm Mon-Fri
9am - 1pm Sat