Mortgage Repayment Calculator
See your monthly repayments, total interest cost — and what happens to your payment when your fixed rate ends.
Mortgage details
£
0.5%12%
5 years40 years
When your fix ends
See the payment shock when you revert to the Standard Variable Rate
3%12%
UK lender SVRs typically range from 6–8% (April 2026). Adjust to your lender’s rate.
Repayment breakdown
Updates as you adjust — illustrative only
Enter your loan amount above to see repayments
This calculator shows standard repayment mortgage costs. Your actual rate depends on your deposit, credit history, and the property. The SVR comparison illustrates why borrowers on expired deals — especially those with impaired credit — can become trapped.
Disclaimer: This is an illustrative calculator, not a mortgage offer or recommendation. Actual rates and payments depend on your individual circumstances. Always obtain a formal illustration from a regulated lender or broker.