UK Mortgage Calculator
Adjust the values below to calculate your estimated UK mortgage payments, including Stamp Duty Land Tax.
Loan Details
£
£50,000£5,000,000
£
£0£650,000
%
0.5%15%
yrs
5 yrs40 yrs
Stamp Duty Land Tax
£20,000SDLT due
Current SDLT rates (standard):
Up to £250,0000%
£250,001 – £925,0005%
£925,001 – £1,500,00010%
Above £1,500,00012%
Amortization Schedule
Over 25 yearsRemaining Balance
Interest Paid
Principal Paid
Insights
Even a 0.25% rate reduction can save approximately £22,449 over a 25-year term. Shopping around for the best mortgage deal is essential.
Making overpayments of up to 10% of your outstanding balance each year can significantly reduce your term without Early Repayment Charges.
Consider a 5-year fixed rate for payment stability, or a tracker rate if you expect base rates to fall.
Your Estimate
Monthly Payment
£3,007
Principal + Interest
Total Interest
£381,991
Total Mortgage Cost
£901,991
Estimated Payoff
June 2051
Stamp Duty
£20,000
Principal (58%)Interest (42%)
PilotLend provides educational mortgage estimates and does not constitute financial advice.