Mortgage tools
Calculators
Quick estimates to help you plan. For figures tailored to your circumstances, get in touch for a personal illustration.
Monthly cost
Estimate your monthly payment and the total cost over the term.
Repayment type
Term25 years
5 yrs40 yrs
- Estimated monthly payment
- £1,251
Loan amount£225,000
Loan-to-value90%
Total interest£150,187
Total repaid£375,187
How much could you borrow?
A rough guide based on income. Lenders assess affordability individually.
Most lenders use around 4.5× annual income.
- Indicative maximum loan
- £157,500
Based on total income of£35,000
These calculations are estimates for guidance only and do not constitute financial advice or a mortgage offer. Property tax figures use standard home-mover rates and do not account for first-time buyer relief, additional-property surcharges, or other exemptions. Actual costs will depend on your specific circumstances. IM Mortgage Consultancy Limited is authorised and regulated by the Financial Conduct Authority No. 300541.