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Mortgage Calculator

Estimate repayments, changing rates and overpayment savings.

Mortgage

Results update as assumptions change.

Rate change, fees and overpayments

Later rate

Leave the initial-rate period at zero to use one rate for the full term.

Fees

Overpayments

The projection assumes overpayments reduce the balance and shorten the term. Check lender limits and charges.

Amount borrowed —
Initial monthly payment —
Payment after rate change —
Loan to value —
Total interest —
Balance at end —

Plan summary

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Balance projections use monthly interest and payments. The lender's calculation and payment dates may differ.

Amortisation schedule
PeriodRateMonthly paymentOverpaidPrincipal paidInterest paidBalance

This is an illustrative principal-and-interest calculation, not financial advice or a lender quote. It excludes property taxes, insurance, protection products and early-repayment charges.