What your number means
Your result is a starting point, not a quote. This explains what the figure actually tells you.
Read the explainer →See what your payment could be once your fixed rate ends
Enter your outstanding balance, the term left on your mortgage and a rate to test, and this calculator works out a monthly repayment in seconds. It is not a quote, and it will not match your lender's actual offer, but it gives you a figure to work from before you speak to anyone.
See what to do next Find out what your number means
Mortgage Calculator
See what your monthly repayment could actually be
Your monthly repayment depends on your outstanding balance, the interest rate and the remaining term, and a small change to any one of these moves the number more than you'd expect. This calculator works out a repayment figure from what you enter, so you can see the effect before you commit to a new deal. It won't tell you which lender to choose, but it gives you a figure to work from.
- Works for repayment and interest-only mortgages, so the figure matches how your loan actually reduces.
- Recalculates instantly as you change the balance, rate or term, so you can compare a few scenarios in one sitting.
- Gives you a number to take to a broker or lender.
Speak to an adviser
Compare rates
Calculate your monthly repayments
Mortgage term
Repayment type
Monthly repayment
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Total repaid
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Total interest
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This is an illustrative estimate based on the figures you enter, not a quote or a lender's offer. For advice based on your full circumstances, speak to a broker or your lender directly.
HOW IT WORKS
Your remortgage number, worked out in seconds
This calculator takes your outstanding balance, remaining term and current rate, and shows you what your payment could look like on a new deal. It is not a quote, just a starting figure to work from.
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1
Enter your mortgage details
Type in your outstanding balance, remaining term and current rate. Nothing else is needed.
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2
See the comparison
The calculator sets your current payment against a new rate so you can see the difference straight away.
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3
Get your number
See what your payment could look like once your fix ends, based on the numbers you gave it.
Where to go once you have your number
These pages and tools pick up where the calculator leaves off, covering what your figure means, what to check, and who to ask.
Six-month remortgage checklist
A sequenced list of what to do before your fixed rate ends, and when to do it.
See the checklist →What to do next
Once you have your number, this sets out the practical steps for moving forward.
Plan your next step →Mortgage lenders directory
A directory of UK mortgage lenders, useful when you're checking who offers what.
Browse lenders →Early repayment charge estimator
Get a rough idea of what leaving your current deal early could cost, based on your figures.
Estimate your charge →Variable rate stress test
See how a change in the standard variable rate could affect your monthly repayment.
Run the test →UK mortgage lenders, for reference
A list of lenders you might come across while remortgaging. This page does not list rates or recommend one lender over another; for that, a broker can tell you what's actually available to you.
MBS Lending MBS Lending
MBS Lending is a UK specialist mortgage provider that assesses applications on affordability rather than credit history and works only through professional brokers.
- product_types specialist residential mortgages for borrowers with missed payments, CCJs, bankruptcies, repossessions and DMPs with at least six months of satisfactory payments source
Darlington Building Society Darlington Building Society
Darlington Building Society is a UK building society offering a tiered range of Adaptable Solutions mortgages for borrowers in England, Scotland and Wales with adverse credit histories.
- product_types Adaptable Solutions mortgages in three levels: Level 1 non-standard for minor credit problems, Level 2 credit repair mortgages, and Level 3 for complex credit challenges source
Foundation Home Loans Foundation Home Loans
Foundation Home Loans is a UK specialist residential mortgage lender operating a tiered product range for borrowers with adverse credit, available only through professional brokers.
Vida Homeloans Vida Homeloans
Vida Homeloans is a UK specialist mortgage lender offering residential Credit Repair mortgages for borrowers with complex incomes, low credit scores and adverse credit histories.
United Trust Bank United Trust Bank
United Trust Bank is a UK specialist mortgage lender working only with registered intermediaries, offering mortgages including for debt consolidation to borrowers with adverse credit.
- lender_type intermediary-only specialist mortgage lender with no minimum credit score requirement source
- product_types residential mortgages including debt consolidation mortgages for borrowers with CCJs, defaults, secured loan or mortgage arrears and no minimum credit score; available only through registered intermediaries and brokers source
The Mortgage Lender The Mortgage Lender
The Mortgage Lender (TML) is a UK specialist mortgage provider offering products for adverse credit borrowers including those with active DMPs, CCJs and defaults, available only through professional brokers.
Mansfield Building Society Mansfield Building Society
Mansfield Building Society is a UK building society offering residential and buy-to-let mortgages including specialist Versatility and Credit Repair product ranges for borrowers with adverse credit, using manual underwriting rather than automated credit scoring.
Pepper Money Pepper Money
Pepper Money is a UK specialist mortgage lender offering products for borrowers with adverse credit, available exclusively through authorised professional brokers.
Kensington Mortgages Kensington Mortgages
Kensington Mortgages is a UK specialist mortgage lender offering products for complex situations including adverse credit, available only through brokers.
- lender_type specialist mortgage lender working exclusively through broker intermediaries with experienced underwriting team tailoring offers to individual applicant requirements source
- product_types specialist residential mortgages including Failed Credit Score mortgages for borrowers with active DMPs, defaults, historic CCJs or missed payments source
Aldermore Aldermore
Aldermore is a UK mortgage lender offering fixed-rate mortgage products including lending to borrowers with adverse credit, available only through broker intermediaries.
Bluestone Mortgages Bluestone Mortgages
Bluestone Mortgages is a UK specialist mortgage lender that does not use credit scoring and focuses on borrowers with adverse credit histories.
Leeds Building Society Leeds Building Society
One of the UK's largest building societies offering mainstream residential, shared ownership, and buy-to-let mortgage products.
You have a number. Here is what to do with it.
Once you have a monthly figure, the next question is what it actually means for your options and your timing.