Monthly Payment
GBPNaN
Total Amount Paid
GBPNaN
Total Interest
GBPNaN
UK Mortgage कैलकुलेटर — Mortgage Amount ₹1,25,000
With mortgage amount of ₹1,25,000, the मासिक भुगतान is GBP695.
Current UK average ~4.5% for 2-year fixed
Monthly Payment
GBP1,390
Total Amount Paid
GBP4,16,874
Total Interest
GBP1,66,874
What is the UK Mortgage Calculator?
UK mortgage rates in 2025-26 range from around 4% for the best 2-year fixed deals to 5%+ for longer fixes. This calculator uses a standard repayment mortgage formula (capital + interest). Interest-only mortgages have lower monthly payments but you must repay the full capital at the end of the term.
Formula
Monthly Payment = P × [r(1+r)^n] / [(1+r)^n − 1], where P is the loan amount, r is the monthly interest rate, and n is the number of monthly payments.- P
- = Mortgage principal
- r
- = Monthly interest rate (annual / 12)
- n
- = Number of monthly payments (years × 12)
How to use the UK Mortgage Calculator
- 1
Step 1
Enter the mortgage amount
- 2
Step 2
Set the interest rate
- 3
Step 3
Choose the mortgage term in years
- 4
Step 4
View monthly payment, total cost, and interest paid
Reviewed by
CalcHub Editorial Team
· Financial Content TeamMaintained by our finance content team. Calculators verified against RBI circulars, Income Tax Act, and published formulas. Expert reviewer applications open.
Our editorial team audits every calculator formula against primary sources (RBI, CBDT, SEBI, ICMR) quarterly. We are onboarding independent Chartered Accountants and Certified Financial Planners to review individual calculators — apply at /experts/apply.
Reviewed on
Frequently asked questions
What is a good mortgage rate in the UK in 2025?
As of 2025-26, competitive 2-year fixed rates are around 4.0%–4.5%, and 5-year fixed rates are around 4.2%–4.7%. Rates depend on your LTV ratio, credit score, and deal type.
How much can I borrow?
Most UK lenders offer 4–4.5× your annual income. On a £50,000 salary, you could borrow £200,000–£225,000. Some lenders go up to 5.5× for high earners or professionals.
Sources
Weekly Indian rate update
RBI repo, top FD rates, tax deadlines. Free. No spam.
Calculated with CalcCrack