Loan Calculator — Business & House Loan

Free Loan Calculator

Calculate Your Exact
Monthly Payments

Instant, accurate estimates for mortgages, business loans, remortgages and buy-to-let. Adjust sliders in real time and see a full payment breakdown including amortisation schedule.

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Mortgage Calculator

Calculate your monthly mortgage repayments

Property Value £350,000

£50k£2M

Deposit £70,000 (20%)

5%50%

Interest Rate3.24%

1%10%

Mortgage Term25 years

5yrs35yrs

Repayment Type

Monthly Payment

Repayment mortgage

£1,401

£280,000Loan Amount

£420,300Total Repayable

£140,300Total Interest

80%LTV Ratio

4.5×Income Multiple

£62,200Income Needed

Principal / Loan67%

Total Interest33%

Year	Opening Balance	Annual Payment	Principal	Interest	Closing Balance

This is an illustrative estimate. Your actual rate will depend on your circumstances and the lender’s assessment.

Apply for a Mortgage →

Outstanding Balance£220,000

£20k£1.5M

Current Rate (SVR)7.24%

1%12%

New Rate3.24%

1%10%

Remaining Term15 years

1yr30yrs

Monthly Saving

By switching now

£440

£2,015Current Payment

£1,575New Payment

£5,280Annual Saving

£26,4005-Year Saving

£79,200Total Saving

£74,200Interest Saved

Monthly Payment Comparison

Current Rate

£2,015

New Rate

£1,575

Ready to start saving? Our advisers compare hundreds of deals to find your best remortgage rate.

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Loan Amount£100,000

£10k£2M

Interest Rate5.9%

3%20%

Loan Term3 years

1yr10yrs

Annual Revenue (for eligibility check)

Monthly Repayment

£3,051

£109,836Total Repayable

£9,836Total Interest

£36,612Annual Cost

✓ EligibleAffordability

40%Loan/Revenue

6.2%Effective APR

Year	Opening Balance	Annual Payment	Principal	Interest	Closing Balance

No commitment needed. Get a formal decision in 48 hours with no impact on your credit score.

Apply for Business Finance →

Property Value£280,000

£50k£2M

Deposit (min 25%)£70,000 (25%)

25%60%

Interest Rate3.54%

2%10%

Expected Monthly Rent£1,400/mo

£400£5,000

Repayment Type

Monthly Mortgage Payment

£618

£782Monthly Profit

6.0%Gross Yield

3.9%Net Yield

75%LTV

£9,384Annual Profit

✓ PassICR Check

Ready to invest? Our buy-to-let specialists will find you the best rate from our panel of lenders.

Apply for Buy-to-Let →

Compare what you pay now against what you could pay by switching to one of our rates. See exactly how much you could save over 2, 5 and 10 years.

Current Mortgage Balance£220,000

£20k£1.5M

Your Current Rate7.24%

1%12%

Remaining Term15 years

1yr30yrs

Best Available Rate

2-Year Tracker

2.84%

Savings vs Our Top Deals

Your Rate

£2,015/mo

2-Yr Tracker

£1,520/mo

2-Yr Fixed

£1,541/mo

5-Yr Fixed

£1,567/mo

£495Mo. Saving (Best)

£29,7005-Year Saving

£89,100Total Saving

These are illustrative savings based on publicly available rates. Your actual saving may vary. No credit check to enquire.

Get My Best Rate →

📊Calculation Summary

Monthly Payment£1,401

Loan Amount£280,000

Total Interest£140,300

Total Repayable£420,300

Rate3.24%

Term25 years

💷Apply a Live Rate

Click a rate below to apply it to the calculator instantly.

2-Year Tracker

Variable · No ERC

2.84%

2-Year Fixed

Fixed · Most Popular

3.24%

5-Year Fixed

Fixed · Long Security

3.49%

10-Year Fixed

Fixed · Max Stability

3.89%

Rates correct as of March 2026. Subject to status.

💡Adviser Tips

📈

A 5% larger deposit typically moves you into a lower LTV band — unlocking significantly better rates.

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Start remortgaging 3–6 months early. You can lock in a rate now and switch when your deal ends — avoiding the SVR.

💷

Overpaying by £100/month on a 25-year mortgage can cut your term by 4+ years and save tens of thousands.

Ready to Apply?

Get a formal decision in 48 hours. No obligation, no credit impact to enquire.

Start Application →

Using the Calculator

How to Get the Most from This Tool

Follow these steps to get the most accurate estimate for your situation.

Choose Your Calculator

Select the right tab for your loan type — mortgage, remortgage, business loan, buy-to-let or savings comparison.

Adjust the Sliders

Drag the sliders to set your loan amount, deposit, rate and term. Results update instantly as you move each slider.

Try Live Rates

Click any rate card in the sidebar to apply our current live rates directly to the calculator — no manual entry needed.

Apply for Real

When you’re ready, click Apply to start a formal application. We’ll find your actual best rate in 24–48 hours.

⚠️ This calculator provides illustrative estimates only. Results are based on the inputs you provide and do not take into account individual circumstances, credit history, or lender affordability criteria. Always seek professional financial advice before making lending decisions.

Calculate Your ExactMonthly Payments

How to Get the Most from This Tool

Calculate Your Exact
Monthly Payments