A clearer view of the numbers.
Our indicative rates provide a starting point for understanding the mortgage market. Rates and eligibility vary depending on your circumstances and lender criteria.
These are indicative rates only and are not a personalised mortgage quotation or offer.
What might the monthly figure look like?
Adjust the figures for an illustration of monthly repayments on a capital and interest basis. Everything is calculated in your browser.
Indicative only, not a quote
Estimated monthly repayment
£2,890
- Property value
- £650,000
- Deposit
- £130,000 · 20.0%
- Loan amount
- £520,000
- Term
- 25 years
- Rate
- 4.50%
- Loan to value
- 80.0%
- Total payable
- £867,099
Indicative only. This calculator does not constitute a mortgage quotation or offer. Actual repayments, rates and eligibility depend on your individual circumstances and lender criteria. Figures are calculated on a capital and interest repayment basis and exclude fees. Your home may be repossessed if you do not keep up repayments on your mortgage.
Indicative rates by mortgage type.
Filter by mortgage type, initial term and loan to value to see where the market broadly sits for that shape of borrowing.
First-time buyer
Example two-year fixed
- Rate
- 4.59%
- Term
- 2 years
- LTV
- 90%
Buyers with a 10% deposit who want certainty over the first two years.
First-time buyer
Example five-year fixed
- Rate
- 4.34%
- Term
- 5 years
- LTV
- 95%
Buyers with a smaller deposit who prefer a longer period of fixed payments.
Moving home
Example two-year fixed
- Rate
- 4.24%
- Term
- 2 years
- LTV
- 80%
Movers who expect their circumstances to change again within a few years.
Residential
Example two-year fixed
- Rate
- 4.19%
- Term
- 2 years
- LTV
- 75%
Borrowers with meaningful equity who want the lowest initial payment.
Residential
Example five-year fixed
- Rate
- 4.05%
- Term
- 5 years
- LTV
- 60%
Lower loan to value cases where longer-term budgeting matters most.
Remortgage
Example five-year fixed
- Rate
- 4.15%
- Term
- 5 years
- LTV
- 75%
Homeowners coming off a deal who want payments settled for five years.
Remortgage
Example two-year tracker
- Rate
- 4.49%
- Term
- 2 years
- LTV
- 60%
Borrowers comfortable with payments moving in line with the base rate.
Self-employed
Example two-year fixed
- Rate
- 4.69%
- Term
- 2 years
- LTV
- 85%
Directors, contractors and sole traders whose income needs careful presentation.
Buy-to-let
Example five-year fixed
- Rate
- 4.79%
- Term
- 5 years
- LTV
- 75%
Landlords using a longer fix to help rental stress testing.
Buy-to-let
Example two-year fixed
- Rate
- 4.99%
- Term
- 2 years
- LTV
- 65%
Investors with larger deposits, held personally or through a company.
Specialist
Example three-year fixed
- Rate
- 5.49%
- Term
- 3 years
- LTV
- 70%
Complex income, non-standard property or later-life borrowing.
Illustrative examples only. The figures shown are not live lender rates, not a quotation and not an offer of credit. Last updated 2026-09-15.
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Speak to an adviserYour home may be repossessed if you do not keep up repayments on your mortgage.