Not sure what rate to enter? Tap one below to auto-fill the calculator
Rates reviewed April 2026 · Indicative market examples only, not a personal quote or offer.
Your actual rate depends on your circumstances and lender criteria.
Calculate Your Future
with Precision.
Loan Parameters
Rates reviewed April 2026 — indicative market examples, not a personal quote. Your rate depends on your circumstances and lender criteria.
Mortgage Term Comparison
Compare how your mortgage term affects your monthly payments and the total interest you'll pay over time for a £360,000 loan at 4.25% APR.
| Mortgage Term | Monthly Repayment | Total Interest Payable | Total Amount Paid |
|---|
Note: A longer mortgage term reduces your monthly commitment but significantly increases the total interest you will pay back to the lender. Shortening your term by even 5 years can save you tens of thousands of pounds.
Accurate Data
Our calculations use standard UK mortgage amortisation formulas to give you a reliable estimate.
Fast Approval
Submit your details after calculating and Karl will typically confirm an Agreement in Principle within 24 hours, subject to lender review and your individual circumstances.
Expert Advice
Complex circumstances? Our bad credit specialists understand how to present your case to lenders.
How it works
Our mortgage calculator uses the standard annuity formula to calculate your monthly capital and interest repayments. By inputting your property price and deposit, we determine the principal loan amount. We then factor in the interest rate and term to show you the true cost of borrowing.
"Transparency is at the heart of what we do. Use this tool as a starting point, then let's talk about how to optimise these numbers for your specific situation."
— Karl, Principal Broker
Factors affecting your mortgage
Interest Rates
Even a 0.5% difference can save you thousands over the life of your mortgage. We search across the whole of market to find rates that are right for your circumstances.
*Whole of market refers to our panel of 100+ lenders, including specialist adverse credit providers not available on comparison sites.
Deposit Size
A larger deposit usually unlocks lower interest rates (LTV brackets). Aiming for 10%, 15% or 25% often triggers significant rate drops.
Credit History
Your credit score impacts the lender's risk assessment. If you have CCJs or defaults, visit our Bad Credit Service for specialised advice.
The Numbers Are Just the Start — Karl Makes Them Real.
Karl Burns is the founder and principal adviser at KB Mortgage Solutions. With 10+ years' experience and hundreds of clients helped, he takes the estimates you see above and turns them into a personalised strategy — honest numbers, lender-specific rates, no call centres.
When you contact KB Mortgage Solutions, you speak to Karl. Every call, every email — from first question to completion.
Your home may be repossessed if you do not keep up repayments on your mortgage.
DISCLAIMER: These calculations are for illustrative purposes only and do not constitute a formal mortgage offer or financial advice. Monthly repayment figures are estimates based on the information provided and may vary depending on the lender's criteria, actual interest rates, and fees. Your home may be repossessed if you do not keep up repayments on your mortgage.