A calculator built for one moment: the end of your fixed rate
This site turns the balance, term and rate you enter into a single figure, without asking for anything else. It's not a broker and it's not authorised to give financial advice, so it stays inside what it can actually tell you and says so plainly.
About this site
This site does one job: it takes the numbers from your current mortgage and works out what your payment could look like once your fixed rate ends. That's the whole task, and it's built to do it in under a minute, without asking for your name, your income, or your postcode before it shows you anything.
Remortgage Calculator UK is not authorised or regulated by the Financial Conduct Authority, and nothing on this site is financial advice. The calculator works out a figure from what you tell it. It has no way of knowing your income, your credit history, or the specific deals your own lender might offer you. A broker can look at your full circumstances and tell you what's actually available; this site can only show you the arithmetic behind your own numbers.
The maths behind each result is ordinary mortgage calculation: outstanding balance, remaining term, and interest rate, run through the same working a lender would use internally. Where a page shows an example rate, it's labelled as illustrative rather than a real offer, because a figure that looks like a genuine quote but isn't would confuse more than it helps.
Once you have your number, What Your Number Means explains what a higher payment or an early repayment charge could mean for your situation. The Six-Month Checklist sets out when to start looking for a new deal, and What to Do Next covers the practical part of applying, whether that's staying with your current lender through a product transfer or moving to a new one.
If something on the site looks wrong, or a lender's details in the directory need updating, email remortgagecalculator-uk@contactforsales.com.
One job, done plainly
The calculator turns your own numbers into a payment estimate. It isn't a quote and doesn't reflect any lender's actual current rates.
No advice given
This site is not authorised or regulated by the Financial Conduct Authority. Where a decision needs advice on your full circumstances, that's a job for a broker, not a calculator.
Illustrative examples only
Any example rate shown on this site is clearly marked as hypothetical. It is never a real lender's current offer.
A few common questions
Is this financial advice?
This calculator shows you what your monthly payment could look like once your fixed rate ends, based on the figures you enter yourself. It does not know your income, your credit history or anything else about your situation, so it cannot recommend a deal or tell you what to do. A broker can give you advice based on your full situation; this calculator cannot.
Is Remortgage Calculator UK regulated by the FCA?
This site is not authorised or regulated by the Financial Conduct Authority, and nothing on it counts as a financial promotion or a quote from any lender. The figures you see are illustrative estimates based on the numbers you type in, not an offer.
Where do the numbers in the calculator come from?
The calculator works from the figures you provide: your outstanding balance (what you still owe), your remaining term, and a rate you enter yourself. It does not pull live rates from any lender, so the result is only as accurate as the numbers you put in.
Does the calculator store my information?
The calculator only uses what it needs to work out a result, and nothing you enter is kept or shared afterwards. You can use it as many times as you like without giving a name, an email address or any account details.
Why can't the calculator tell me which lender to choose?
Choosing a lender depends on things this site does not know, such as your income, your credit history, and which deals a lender is actually willing to offer you. What this calculator gives you is a number to work from. Next steps sets out where to take that number once you have it.
How is this different from talking to a broker?
This calculator answers one question quickly: what your payment might look like once your fix ends. A broker goes further, checking which deals you would actually qualify for and handling the application on your behalf. Most people find that conversation easier with a number already in hand, and What your number means covers how to read that figure before you make the call.
Does this site recommend a particular lender or broker?
The UK Mortgage Lenders Directory lists lenders for factual details such as regulator status and product types, not for price comparison or recommendation. No lender or broker mentioned anywhere on this site is presented as the best or only option, and any broker you go on to speak with is responsible for its own advice and regulatory standing.
Is there a cost to use this calculator?
There is no cost to use this calculator, and no personal financial data is required before you see a result. You can check your number as many times as you want without handing over contact details in exchange for it.