What will it cost each month?
See your monthly mortgage repayment, and what it becomes if rates rise at renewal. Add the running costs people forget for the true monthly cost.
Mortgage each month
£0
Just the mortgage repayment. Add running costs for the full picture.
If your rate rose at renewal:
Rate +1% (5.75%)£0/mo
Rate +2% (6.75%)£0/mo
Rate +3% (7.75%)£0/mo
A repayment mortgage. Lenders stress-test against higher rates too.
How we worked this out
What we assumed
- A repayment mortgage on £0 (price minus deposit) at 4.75% over 30 years — change both with the sliders.
- Shows the mortgage payment only. Add running costs above for the true monthly figure.
- The default mortgage rate is a typical market estimate, not a quote — set the slider to a real offer when you have one.
Lenders stress-test your budget against higher rates, so leave yourself headroom.
Where the numbers come from
Last checked 15 June 2026. These are guidance figures, not a quote or financial advice.
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