UK Mortgage Calculator 2026
Calculate your monthly mortgage payments, stamp duty, and affordability with our free UK mortgage calculator.
Mortgage Details
£
£
Affordability Check
£
£
Mortgage Summary
£1501
Monthly payment
90.0%
Loan-to-value
Loan amount:£270,000
Total payments:£450,224.307
Total interest:£180,224.307
Affordability Assessment
May be unaffordable
Maximum monthly payment: £1485
Your mortgage payment: £1501
Your mortgage payment: £1501
Maximum you can borrow:
£267,166.828 loan
£297,166.828 property value
£297,166.828 property value
Stamp Duty
£4,999.93
Stamp duty payable
Property value:£300,000
Effective rate:1.67%
About This Calculator
This calculator provides estimates for UK mortgages in 2026. Actual rates and terms will depend on your lender, credit score, and market conditions. The affordability check uses the 45% rule (45% of take-home pay for housing costs). Stamp duty rates are for England and may vary in other UK nations. Consult a mortgage advisor for personalized advice.
Learn More About Mortgages
Understand mortgages and house buying in the UK.