Estimate Your Monthly Mortgage Repayment
Use this calculator as a starting point for your mortgage planning. Adjust the property price, deposit, rate and term below, then speak to Karl for lender-specific advice based on your circumstances.
This calculator is illustrative only and is not a mortgage offer, recommendation or personal quote. Rates and fees can change and will depend on lender criteria.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Adjust the figures once. See the impact clearly.
Enter your own property price, deposit, interest rate and mortgage term. The result updates instantly and remains an estimate only.
Your Figures
Use your expected purchase price and deposit.
Rates reviewed April 2026. Illustrative market examples only — not advertised rates, not a personal quote, and not an offer of credit. Your actual rate depends on your circumstances, the lender, and credit assessment.
Estimated Monthly Payment
Total Repayment
£1,952
First Monthly Payment Split
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 a 4.25% interest rate.
| 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.
What this estimate includes
Monthly capital-and-interest repayment estimates based on the property price, deposit, rate and mortgage term you enter.
What it does not include
Product fees, valuation fees, legal costs, insurance, stamp duty or lender-specific affordability checks unless shown in the representative example above.
What Karl checks next
Your income, credit profile, deposit, property type and lender criteria, then confirms real product options before you apply.
Use the calculator as a planning tool
The calculator uses a standard repayment formula to estimate monthly capital and interest payments. It is useful for comparing scenarios, but it cannot confirm whether a lender will accept an application or what product will be available to you.
"Use the numbers as a starting point. The important bit is matching them to your circumstances, lender criteria and the right product at the time you apply."
— Karl, Principal Broker
Factors affecting your mortgage
Interest Rates
Small rate changes can materially affect monthly payments and the total amount repaid. Karl searches across the whole of market to find suitable options 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
Your deposit changes the loan-to-value band, which can affect available rates and lender choice.
Credit History
Your credit profile affects lender criteria and product availability. If you have CCJs or defaults, Karl can talk through specialist options.
Ask Karl to turn the estimate into real options.
Send your details and Karl will review your circumstances, check suitable products, and explain what the calculator numbers could mean for your next step.
- ✓No obligation
- ✓No credit check from this form
- ✓Direct advice from Karl
Your home may be repossessed if you do not keep up repayments on your mortgage.
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.