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See what your payment could be once your fixed rate ends

This calculator uses your own mortgage numbers to show what your repayment could look like once your fixed rate ends. It's built for homeowners whose current deal is running out within the next few months.

Find out what to do next See what your number means
Mortgage Calculator

See what your repayments could look like after your fix ends

Your monthly repayment after your fixed rate ends depends on your outstanding balance, the rate you move onto, and your remaining term. Working through those numbers now shows you where you stand before a new figure turns up on a bank statement. This calculator cannot see your lender's current offers, but it can give you a number to work from before you speak to anyone.

  • Works with a fixed rate, a Standard Variable Rate (SVR) or a product transfer, using the balance and term you enter.
  • Turns your balance, rate and term into a monthly figure straightaway, so you're not waiting on a lender callback to find out where you stand.
  • Gives you a number to take into a conversation with a broker, who can set out which deals are available to you.
Speak to an adviser Compare rates

Calculate your monthly repayments

Mortgage term
Repayment type

Monthly repayment

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Total repaid -
Total interest -

This result is based on the figures you enter and doesn't reflect any lender's actual rates or terms. It isn't a quote or financial advice, so check it against your mortgage offer document or speak to a broker before you decide anything.

How it works

Get your new payment number in seconds

You enter your outstanding balance, remaining term and the rate you expect to move to next. The calculator works out what your monthly repayment could look like at that rate.

  1. 1
    Enter your current details

    Add your outstanding balance, remaining term and the rate you expect to move to next.

  2. 2
    See your new number

    The calculator shows what your monthly repayment could look like at that rate.

  3. 3
    Decide your next step

    Use the figure to plan ahead, whether that means comparing deals or speaking to a broker.

Tools worth checking next

More numbers worth knowing

Once you have your new payment figure, these calculators fill in the detail a broker will ask about.

Check what you can afford

See how much borrowing your income and outgoings could support before you start comparing deals.

Check affordability

Estimate an early exit cost

Get a working figure for what leaving your fixed deal early could cost, before you commit to a decision.

Estimate your charge

Check your loan-to-value position

See how much of your home you own outright, based on your outstanding balance and its current value.

Calculate your equity

See how a rate rise affects you

Check what your monthly payment would look like if your rate moved up before you choose a new deal.

Stress-test a rate change

Who lends in the UK

A list of the lenders you're likely to come across while you look, so a name on a letter or a broker's shortlist isn't the first time you've heard of it.

MBS Lending

A UK specialist mortgage provider lending to borrowers with poor credit records, operating exclusively through professional brokers.

  • Lender type specialist broker-only lender conducting full affordability assessments source
  • Product types specialist residential mortgages for borrowers with missed payments, CCJs, bankruptcies, repossessions, DMPs and gifted deposits; broker-only source

Foundation Home Loans

A UK specialist mortgage lender offering tiered residential mortgage products for borrowers with adverse credit, available only through professional brokers.

  • Lender type broker-only source
  • Product types residential mortgage products split into four tiers: F1, F2, F3 and F4 source

Vida Homeloans

A UK specialist mortgage lender offering residential mortgage products with flexible lending criteria under a tiered Credit Repair range.

  • Lender type intermediary-only specialist lender source
  • Product types Credit Repair mortgages for complex incomes, low credit scores, and contractors without an established trading history; interest-only mortgages; debt consolidation source

United Trust Bank

A UK bank offering specialist mortgage products through registered intermediaries, including debt consolidation mortgages for borrowers with adverse credit.

  • Lender type broker-only source
  • Product types mortgages including debt consolidation mortgages that repay other debts and combine outstanding payments into one monthly outgoing source

Mansfield Building Society

A UK building society offering a range of residential and buy-to-let mortgage products including specialist Versatility and Credit Repair ranges for borrowers with adverse credit.

  • Lender type building society using manual underwriting without automated credit scoring source
  • Product types standard residential mortgages, Versatility range, Credit Repair mortgages, buy-to-let mortgages, Shared Ownership, holiday let source

Pepper Money

A specialist UK mortgage lender offering products for borrowers in complex or adverse credit situations, available only through authorised professional brokers.

  • Lender type specialist broker-only lender source
  • Product types residential mortgages and buy-to-let mortgages for adverse credit applicants source

Kensington Mortgages

A specialist UK mortgage lender providing lending for complex situations, operating only through brokers.

  • Lender type specialist broker-only lender source
  • Product types Failed Credit Score mortgages for applicants with little credit history, active DMP, defaults, historic CCJs or missed payments relating to unsecured payments source

Bluestone Mortgages

A specialist UK mortgage lender focusing on bad credit mortgages, using a tailored approach that does not rely on credit scoring.

  • Lender type specialist adverse credit lender using tailored underwriting without credit scoring source
  • Product types bad credit mortgages for first-time buyers, remortgage applicants and those using Help to Buy source

Aldermore

A UK mortgage lender offering fixed-rate mortgage products with flexible application criteria, available only through brokers.

  • Lender type broker-only lender source
  • Product types fixed-rate mortgage products source

Family Building Society National Counties Building Society

A UK building society offering buy-to-let mortgages for individuals, limited companies, expats, and HMO landlords.

  • Established year 2014 source
  • Lender type building society offering buy-to-let mortgages for individuals and Limited Companies, including expats source
  • Product types Individual Buy to Let mortgages, Limited Company Buy to Let mortgages, Expat Buy to Let mortgages, HMO mortgages source

Santander UK

One of the seven largest UK lenders active in the buy-to-let mortgage market.

  • Lender type one of the seven largest UK lenders source

Virgin Money Nationwide Building Society

One of the seven largest UK lenders active in the buy-to-let mortgage market.

  • Lender type one of the seven largest UK lenders source
  • Product types Fixed rate, Variable rate, First time buyer mortgages, Remortgages, Moving home, Additional borrowing, Buy to Let, Green mortgages (new build only), 95% mortgages, Shared Ownership, Right to Buy source

You have your number. Here's what comes next.

A number on its own doesn't tell you when to act. The checklist sets out what to do in the months before your fix ends, in order.

Get the six-month remortgage checklist See what your number means