Mortgage Repayment Calculator

Our quick and easy monthly mortgage repayment calculator is a great way to prepare for a mortgage application.

Understanding what your repayments could be can allow you to budget effectively. The calculator allows you to select the interest rate that is applied to the calculation. This means you can keep in line with the current market. You can also select the duration you wish the mortgage is to run for, allowing you to experiment with costs.

Furthermore, our mortgage calculator can give you reassurance that you are being realistic before you start looking at properties.

If you want to get a more detailed understanding of what you could borrow, reach out today. Our expert advisors are on hand to advise you every step of the way.

You’ll be pleased to know that all our mortgage calculators have no effect on your credit score, so you don’t need to worry about only using it once.

Our calculators are in place to give you an idea of your borrowing capabilities, ensuring you’re in the best position possible when applying for a mortgage.

Remortgaging is a powerful financial tool, but timing is everything. Whether you’re looking to save money, access equity, or find a more suitable mortgage product, knowing when to act can make all the difference.

One of the most common triggers for remortgaging is the end of a fixed-rate period. At this point, you’ll often roll onto your lender’s Standard Variable Rate (SVR), which is typically higher^[4]. By remortgaging before this happens, you could lock in a better deal and avoid unnecessary increases in your monthly payments.

Falling interest rates are another opportunity. Even a small reduction in rates can lead to significant savings over the life of your mortgage^[5]. Alternatively, if you’re planning a major project, such as a home renovation, remortgaging to release equity might give you the funds you need.

However, remortgaging isn’t just about saving money – it can also help you restructure your debt or extend your loan term to reduce monthly payments. Whatever your goal, our Remortgage Guide explains everything you need to know to make an informed decision.

Navigating the mortgage market can feel daunting, especially when every decision carries long-term financial implications. That’s where a mortgage advisor can make all the difference. But when is the right time to seek professional guidance?

For most buyers, the earlier, the better. Speaking to an advisor before you even begin your property search can help you understand how much you can realistically afford^[6]. With pre-approval in hand, you’ll have a clearer idea of your budget and greater confidence when making offers.

Advisors can also be invaluable when you’re comparing mortgage products. With so many options available – fixed rates, trackers, interest-only products – it’s easy to feel overwhelmed. An expert can break down the complexities and recommend the best product for your circumstances.

If you’re considering remortgaging, an advisor can guide you through the process and ensure you’re getting the most competitive deal. They’re also a great resource if your financial situation is unique, such as being self-employed or having multiple income streams.