Compare the possibilities. Keep your perspective.
What changes if your rate rises—or you repay over a different term? Compare two mortgage scenarios, then keep the figures worth coming back to.
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Keep a useful comparison.
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Understand the estimate
This models monthly capital-and-interest repayments, using each entered rate unchanged over its entire term. It excludes arrangement fees, early repayment charges, insurance and overpayments. Actual lender calculations and future rates may differ.
At a 0% rate, the balance is divided equally over the monthly payments. A longer term can lower monthly repayments while increasing total interest. Comparing different balances or terms does not establish which offer is better.
Saved comparisons stay in this browser and may disappear if you clear its data. CSV exports contain the figures you enter. This is an educational tool, not a mortgage recommendation.
Explore the mortgage repayment guide →