First-time buyer mortgage calculator

Enter the mortgage required and your deposit to estimate the monthly repayment and loan-to-value ratio.

Purchase details

£
£
%
years

Your illustration

Estimated monthly repayment
Estimated interest over the full term
Loan to value (LTV)

Your home may be repossessed if you do not keep up repayments on your mortgage.

Understanding your first mortgage

LTV compares the mortgage with the total property price. The property price used here is the mortgage plus deposit. A calculator cannot confirm how much a lender will offer: income, commitments, credit history, property details, fees and lender criteria can all affect an application.

Use the full UK mortgage calculator to add your location and see an indicative property transaction tax estimate.