UK mortgage tools
Mortgage Interest Rate Calculator UK
See how a higher or lower mortgage interest rate could change your monthly repayments when your deal ends. Compare your current and potential rate, then see the impact on your household budget.
Compare your mortgage payments
Enter a positive mortgage balance, a term of 1–50 years, and interest rates between 0% and 30%.
Illustrative payments using the same outstanding balance and remaining term for both rates. Your actual balance at remortgage, fees, changes to term and lender calculations can change the result. This is not a rate quote or financial advice.
See the impact on my full affordability →We'll prefill your estimated new mortgage payment into the first household's mortgage/rent field. You can review and edit it before calculating.
Want to understand how interest rates affect mortgages?
Read our UK guide to fixed-rate deals, remortgaging, rate changes and ways to prepare for higher monthly payments.
Read the interest rate guide →