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# UK Mortgage Calculator  Monthly Repayment Calculator
- URL: https://www.kaeltripton.com/uk-mortgage-calculator-monthly-repayment-calculator/
- Published: 2026-03-31T16:11:27.000Z
- Updated: 2026-11-12T14:18:29.000Z
- Description: UK mortgage calculator . Calculate monthly repayments for any property price, deposit and rate. Free, instant.
- Author: Chandraketu Tripathi
- Tags: Mortgages, Property & Landlords, Hub: Mortgages

[Home](https://www.kaeltripton.com/)›[Free Tools](https://www.kaeltripton.com/uk-finance-tools/)›**UK Mortgage Calculator 2025**

UK Finance Calculator

## UK Mortgage Calculator.  
*Monthly Repayments. Instant.*

Calculate monthly mortgage repayments for any property price, deposit and interest rate. Free, updated for 2025.

No sign-up 100% free Instant results Works on iPhone 

Mortgage Repayment Calculator 2025

Property price (£)

Deposit (£)

Interest rate (%)

Term (years)

 Repayment  Interest only 

Monthly payment

£0

Loan amount

£0

Total repaid

£0

Total interest

£0

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## UK Mortgage Repayment Calculator 2025

Understanding your monthly mortgage repayments is the first step in planning a property purchase or remortgage. This calculator gives you an instant repayment figure based on your loan amount, interest rate and term - for both repayment and interest-only mortgages.

### Current UK mortgage rates (2025)

Average 2-year fixed rates are around 4.5-5.5% for 60-75% LTV. See our [best remortgage deals guide](https://www.kaeltripton.com/compare/best-remortgage-deals-uk/) for the latest rates from top UK lenders.

### Don't forget Stamp Duty

Use our [Stamp Duty calculator](https://www.kaeltripton.com/uk-stamp-duty-calculator/) to factor SDLT into your total upfront costs.

### Frequently asked questions

How accurate is this calculator?+

Uses the standard mortgage repayment formula - precise based on your inputs. Actual lender repayments may vary slightly.

Does it include fees and insurance?+

No - this calculates pure capital and interest. Add arrangement fees and insurance separately.

What is LTV?+

Loan-to-Value - the mortgage as a percentage of the property value. Lower LTV typically means lower interest rates.

Repayment vs interest-only?+

Repayment covers interest plus capital - loan fully paid at term end. Interest-only covers only interest - full loan still owed at the end.

Where can I find current mortgage rates?+

See our [best remortgage deals guide](https://www.kaeltripton.com/compare/best-remortgage-deals-uk/) for current rates.

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Part of our complete guide:

[UK Mortgage Rates April 2026 - Current Rates & Guide →](https://www.kaeltripton.com/property/uk-mortgage-rates-april-2026/)

[Find a whole-of-market mortgage broker →](https://www.kaeltripton.com/business-finance/)