Check what you can afford
See how much borrowing your income and outgoings could support before you start comparing deals.
Check affordability →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 depends on your outstanding balance, the rate you move onto, and how long you have left on the mortgage. Fixed rates have been moving: the average 30-year fixed rate reached 6.87% on 31 August 2026, its highest point since June 2025, which is exactly the kind of change that makes an old monthly figure out of date. Working through your own balance and term shows you where you actually stand before that number turns up on a bank statement.
- 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 you could actually get.
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Calculate your monthly repayments
Mortgage term
Repayment type
Monthly repayment
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Total repaid
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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.
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Enter your current details
Add your outstanding balance, remaining term and the rate you expect to move to next.
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See your new number
The calculator shows what your monthly repayment could look like at that rate.
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Decide your next step
Use the figure to plan ahead, whether that means comparing deals or speaking to a broker.
More numbers worth knowing
Once you have your new payment figure, these calculators fill in the detail a broker will ask about, alongside a quick note on recent rate moves.
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 →Rates moved on 31 Aug 2026
Average fixed mortgage rates rose to 6.87% on 31 Aug 2026, the highest since June 2025, amid rising oil prices.
See what to do next →US base rate held
The US Federal Reserve held its rate at 3.5%-3.75% in July 2026, a sign rate-setters are pausing.
Stress-test a rate change →Find out who lends in the UK, before you talk to anyone about a deal
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.
The Mortgage Works Nationwide Building Society
The Mortgage Works is the buy-to-let mortgage arm of Nationwide Building Society, offering buy-to-let mortgages to landlords including limited company and HMO borrowers.
- fca_firm_reference 189623 source
- lender_type buy-to-let specialist arm of Nationwide Building Society source
- product_types buy-to-let mortgages including purchase, switch, further advance, remortgage, HMO, limited company, and Energy Efficiency Further Advance source
- regulator_status authorised and regulated by the Financial Conduct Authority (FCA) under registration number 189623 source
Barclays
Barclays is a major UK bank offering buy-to-let mortgages directly to consumers, typically suited to straightforward single-property cases.
- product_types buy-to-let mortgages for single property in personal name source
Landbay
Landbay is a broker-only specialist buy-to-let lender offering mortgages to limited companies, portfolio landlords, first-time landlords and HMO landlords.
- product_types buy-to-let mortgages for limited companies, portfolio landlords, first-time landlords and small and large HMOs and multi-unit freehold blocks source
Shawbrook
Shawbrook is a specialist lender offering buy-to-let mortgages on standard buy-to-let, HMOs, multi-unit blocks and semi-commercial property for larger loans.
- product_types buy-to-let mortgages including standard buy-to-let, HMOs, multi-unit blocks and semi-commercial property source
Foundation Home Loans
Foundation Home Loans is a specialist buy-to-let lender focusing on HMOs, student lets and multi-unit freehold blocks.
Kent Reliance OSB Group
Kent Reliance, part of OSB Group, is a specialist buy-to-let lender focusing on large HMOs, multi-unit blocks and complex ownership structures.
Aldermore
Aldermore is a specialist mortgage lender known for buy-to-let products accessible to self-employed landlords, limited companies and portfolio landlords.
Fleet Mortgages
Fleet Mortgages is a buy-to-let specialist lender focused on limited company borrowing, portfolio landlords and HMOs.
- product_types buy-to-let mortgages including limited company, portfolio landlord and HMO products source
Paragon Bank Paragon Banking Group
Paragon Bank is a specialist buy-to-let lender built around professional and portfolio landlords, offering buy-to-let mortgages including limited company and HMO products.
BM Solutions Lloyds Banking Group
BM Solutions is Lloyds Banking Group's buy-to-let mortgage brand, one of the largest lenders in the sector by volume.
Progressive Building Society
The only building society headquartered in Northern Ireland, based in Belfast and a BSA member.
- lender_type building society 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.