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Mortgage repayment calculator

Compute monthly payment on a capital-and-interest mortgage.

Amount borrowed (£)

Interest rate (%)

Term (years)

Monthly payment

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Enter values above to calculate.

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Standard annuity formula assuming a fixed interest rate for the full term. Real mortgages re-fix periodically — the actual cost depends on rates at re-fix. Does not model arrangement fees, early-repayment charges, or interest-only structures.

Tool maintained by Studio Woodlark — a sub-brand of Woodlark Associates Ltd. Rates and bands subject to change. Provided for guidance; not a substitute for advice.