The Ultimate Mortgage Calculator

The TotallyMoney Ultimate Mortgage Calculator is a set of tools that can help you to make sense of your mortgage. From finding out how much you can borrow to calculating the best way to pay it back, if you have questions, our Ultimate Mortgage Calculator is more likely than any other calculator out there to have the answers. What question would you like us to answer today?

What will my monthly repayments be?

Should I overpay?

How much can I borrow?

Compare two mortgages

What will my monthly repayments be?

When looking for a mortgage your first concern is likely to be how much you'll end up paying each month. By moving the sliders on our monthly repayments calculator you set the terms of your prospective mortgage and we will tell you how much you'll probably end up paying a month. We'll also give you an estimate of how much you'll end up paying overall, as well as how much of that will be interest. Simple.


Your Mortgage Details

Select Your Mortgage Type:

Mortgage Amount:
Mortgage Term:
Initial Fees:
Annual Interest Rate:

Add fees to Mortgage?


Your Results

Your Monthly Repayments:
Your Interest Payments:
Your Overall Repayments:
(£)
Time (years)

COMPARE THE UK MORTGAGE MARKET IN SECONDS

We're impartial and compare over 5,000 mortgages. No one compares more.

Find your mortgage

Should I overpay my mortgage with spare cash?

If you’ve got money in the bank that’s not earning its keep then it might be worth thinking about using it to overpay your mortgage. How worth it? Well, after setting out the terms of your mortgage with the sliders below you can try out some different overpayment options. We’ll then tell you how much you’ll save.


Current Mortgage Debt:
Remaining Term:
Annual Interest Rate:
One off payment:
One off payment amount:
One off payment month:
Recurring Payment Amount:

Your Results

Your Monthly Repayments Without Overpayment:
Your Monthly Repayments With Overpayment:
Total Interest Saved:
Time Saved:

COMPARE THE UK MORTGAGE MARKET IN SECONDS

We're impartial and compare over 5,000 mortgages. No one compares more.

Find your mortgage

Should I repay my mortgage with savings?

If you’ve got any spare cash lying around you should make sure that you’re making the most of it. Just give us your mortgage’s annual interest rate and we’ll tell you whether you should be saving or repaying.


Mortgage
Remaining Term:
Annual Interest Rate:

Something:
One off payment amount:
One off payment month:
Recurring Payment Amount:

How much can I borrow?

How Many applicants?

Applicant 1

Annual Income:
Guaranteed bonus:

Applicant 2

Annual Income:
Guaranteed bonus:

Your Results

You are unlikley to get more than:
You are likley to get between:
and
You are very likley to get up to :

COMPARE THE UK MORTGAGE MARKET IN SECONDS

We're impartial and compare over 5,000 mortgages. No one compares more.

Find your mortgage

Should I Offset or Save?

By placing your savings in an offset account linked to your mortgage you won’t pay interest on your mortgage equivalent to the size of the savings. But will this leave you with more money in your pocket in the long run than a traditional savings account? By telling us the details of the options available to you by moving the sliders below, we will tell you whether you should be offsetting or saving.

Current Mortgage Debt:
Remaining Term:

Normal

Annual Interest Rate:
Mortgage Fees:

Offset

Annual Interest Rate:
Mortgages Fees:

Savings

Current Amount:
Savings Interest Rate:
Length of Comparison (time):

Savings

Savings Top-Up:
Your Tax Rate:

Your Results

Your Monthly Repayments:
Your Interest Payments:
Your Overall Repayments:

Compare two mortgages

When looking for a mortgage your first concern is likely to be how much you'll end up paying each month. By moving the sliders on our monthly repayments calculator you set the terms of your prospective mortgage and we will tell you how much you'll probably end up paying a month. We'll also give you an estimate of how much you'll end up paying overall, as well as how much of that will be interest. Simple.

Select Your Mortgage Type:

Debt Amount:
Term Length:

Mortgage 1

Initial/Fixed rate:
Fixed/Initial period
Fees:
Rates:

Mortgage 2

Initial/Fixed rate:
Fixed/Initial period
Fees:
Rates:

Your Results

Mortgage 1 Mortgage 2 3,926.0 3,926.5 3,927.0 3,927.5 3,928.0
Mortgage Mortgage 1 Mortgage 2
Monthly repayments (£) 3,927 3,927
Mortgage 2
73,743.0 73,743.5 73,744.0 73,744.5 73,745.0
Mortgage Mortgage 1 Mortgage 2
Cost over initial period (£) 73,744 73,744
...
Mortgage 1
Initial Period:
Monthly Repayments:
Cost Over Initial Period:
 
After Initial Period:
Monthly Repayments:
Overall Repayment:
Mortgage 2
Initial Period:
Monthly Repayments:
Cost Over Initial Period:
 
After Initial Period:
Monthly Repayments:
Overall Repayment:

COMPARE THE UK MORTGAGE MARKET IN SECONDS

We're impartial and compare over 5,000 mortgages. No one compares more.

Find your mortgage