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Borrowing & repayments

Mortgage calculator:
your numbers, clearly.

Repayment costs, interest-only figures, and an honest affordability estimate — in seconds. Use this as a starting point, then speak with Nathan for an accurate picture based on your actual situation.

Appointed representative · FRN 1046161Whole-of-market accessIndependent adviceComplex income welcomeWhole-of-market broker20+ years of experienceNo referral feesSame-day response
Illustrative figures

Understand your
mortgage costs

Adjust the sliders to explore different scenarios. These are indicative figures — your actual rate will depend on your circumstances, credit profile, and the lender we recommend.

Loan amount£200,000
£50k£5m
Interest rate4.5%
1%10%
Mortgage term20 years
5 yrs45 yrs
Additional months
Monthly repayment
You would pay
£1,265
Total repaid
£303,672
Total interest
£103,672
Capital66% capitalInterest
Illustrative only. Based on a capital repayment mortgage at a fixed rate. Your actual rate depends on your circumstances and lender criteria.
Outstanding balance reducing over term
Remaining balanceCapital repaid
Loan amount£200,000
£50k£5m
Interest rate4.5%
1%10%
Loan term (for interest cost)25 years
5 yrs45 yrs
Additional months
Interest only payment
Monthly interest
£750
Annual cost
£9,000
Interest over term
£225,000
On an interest-only mortgage, the full loan amount remains outstanding at the end of the term. A repayment vehicle is required. Common for buy-to-let investment.
Your annual income£50,000
£15k£300k
Partner income (if applicable)£0
£0£200k
Monthly commitments£0/mo
£0£3,000
Estimated borrowing range
Likely maximum (4.5× income)
£225,000
Conservative estimate (4× income)
£200,000
Some lenders may offer (5× income)
£250,000
Income multiples vary significantly by lender, income type, and credit profile. Self-employed, contractor, and complex income cases are assessed differently. Speak with Nathan for an accurate assessment.
Your resultMonthly repayment: £1,265 on a £200,000 mortgage over 20 years at 4.5%

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What these figures mean

A starting point,
not the full picture

Calculators are useful — but the rate you actually get, and what you can genuinely borrow, depends on far more than income and loan size.

01
Rate availability
The rate you see advertised is rarely the rate you get. It depends on your LTV, credit profile, and the lender's appetite for your case. We find what you can actually access.
02
Complex income
Self-employed, contractors, directors, and multiple income streams are assessed differently by each lender. We know which lenders are genuinely flexible — and how to package your case.
03
Credit history
Defaults, missed payments, and previous declines all affect your options — but not as much as you might think. We assess the full picture and approach lenders suited to your profile.
04
Expat & overseas
UK nationals living abroad face additional lender restrictions. We specialise in this — including clients based on the Costa del Sol seeking UK residential or investment finance.

Want your
actual numbers?

A direct conversation with Nathan — based on your real situation, not a calculator. Every enquiry handled personally. You will hear back the same day.

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Appointed representative · FRN 1046161 · Whole-of-market · Independent advice

Questions worth asking

It estimates your monthly cost on both a repayment and an interest-only basis from the loan amount, interest rate, and term, and gives an indication of how much you might be able to borrow.
On a repayment mortgage each payment covers interest plus some capital, so the balance clears by the end of the term. On interest-only you pay just the interest each month and repay the full balance at the end through a separate plan.
Lenders typically start from an income multiple, commonly around 4.5 times income, then apply affordability checks on your outgoings and circumstances. The actual figure varies significantly by lender.
No. The results are estimates for guidance only. A decision in principle from a lender, arranged through a broker, confirms what you can actually borrow.
Related reading

Before you borrow

How Much You Can Borrow Isn't a NumberWhy affordability is a range, not a single figure.Why Your Credit Score Looks Different to Every LenderThe score lenders actually see.
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Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.