Mortgage Repayment Calculator

See your monthly repayments, total interest cost — and what happens to your payment when your fixed rate ends.

Mortgage details

Loan amount(£)

Interest rate5.00% per annum

0.5%12%

Mortgage term25 years

5 years40 years

When your fix ends

See the payment shock when you revert to the Standard Variable Rate

Lender SVR7.50% per annum

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.

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See which lenders match your situation — including specialist options.

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This page is educational content, not financial advice or a personal recommendation. Unmortgageable is not FCA-authorised. Any broker or lender we link to is separately regulated — verify them on the FCA Register before engaging. See our affiliate disclosure.