UK Mortgage Calculator
Find your UK mortgage payment, repayment or interest-only, and the Stamp Duty on the purchase (England and Northern Ireland).
Change the values and press Calculate to work out your own figures.
Monthly mortgage payment
Enter the price, deposit, term and rate.
Show the working
- payment = loan × i ÷ (1 − (1 + i)^−n)
Stamp Duty Land Tax
Enter the price and choose the buyer.
| Band | Rate | Tax |
|---|---|---|
| £0.00 to £125,000.00 | 0% | £0.00 |
| £125,000.00 to £250,000.00 | 2% | £2,500.00 |
| £250,000.00 to £925,000.00 | 5% | £12,500.00 |
Show the working
- each band's slice of the price × its rate
How to use it
Enter the price, deposit, term and rate. Enter the price and choose the buyer.
Enter amounts without commas or with them; rates are percentages (5 for 5%). Negative amounts are allowed where a sign means money paid out.
Key facts
repayment = loan × i ÷ (1 − (1 + i)^−n); interest-only = loan × rate ÷ 12 Stamp Duty = Σ each band's slice of the price × its rate
Stamp Duty
First-time buyer relief applies only up to £500,000; above that the standard rates apply to the whole price. Check GOV.UK before you buy.
Questions
What is the payment on a £500,000 home with 25% down over 25 years at 5%?
£2,192.21 a month repayment, £1,562.50 interest-only.
How much Stamp Duty on a £500,000 home?
£15,000 for a home mover from April 2025.
Formulas
repayment = loan × i ÷ (1 − (1 + i)^−n); interest-only = loan × rate ÷ 12 Stamp Duty = Σ each band's slice of the price × its rate
Sources
Limitations
- Results are estimates for planning, not offers or financial advice; lenders and banks may round, count days or time payments differently.
- Rates are nominal annual rates compounded as you choose; payments at a different frequency use the equivalent periodic rate.