Free Mortgage Calculator | Estimate Your Monthly Repayments

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Interest rate (%)

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Estimated monthly payment

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Loan amount£0

Deposit0%

Loan to value (LTV)0%

Total interest payable£0

Total repaid over term£0

This calculator is for illustration only and does not constitute a mortgage offer or financial advice. Rates and terms depend on individual circumstances and lender criteria.

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FAQs

Mortgage basics

What’s the difference between repayment and interest-only?

With a repayment mortgage, each monthly payment covers interest and pays down some of the capital, so the loan is fully repaid by the end of the term. With interest-only, you pay just the interest each month and repay the capital separately at the end — speak to Giles Finance about which suits your circumstances.

What is loan-to-value (LTV)?

LTV is the size of your mortgage as a percentage of the property’s value. A lower LTV (bigger deposit) usually unlocks better interest rates.

Can I get advice on the best mortgage for me?

Yes — our finance partner Giles Finance is an independent mortgage broker offering whole-of-market residential mortgage, commercial mortgage and buy to let mortgage advice, plus bridging loans and development finance for investors and developers.

What other costs should I budget for when buying?

Alongside your deposit and mortgage repayments, budget for stamp duty (property tax on most purchases above a threshold), conveyancing and survey fees, and moving costs. Our buying guide and selling guide walk through the process step by step, and Giles Finance can also advise on remortgaging if you already own your home.