What drives your repayment
A repayment mortgage payment is built from the loan amount (price minus deposit), the interest rate and the term. Early payments are mostly interest; later ones mostly capital. A bigger deposit or a shorter term cuts the total interest substantially.
Common questions
Capital and interest on a repayment mortgage. It does not include buildings insurance, ground rent or Stamp Duty.
Most lenders want at least 5–10%; a bigger deposit usually unlocks better rates. The calculator shows your deposit percentage.
The rate is pre-filled with a 2026 average. Rates change often and depend on your loan-to-value and deal, so enter your quoted rate for accuracy.