UK mortgage and property research
Understand your mortgage before you speak to anyone.
Free calculators, official house prices and mortgage rate statistics. If you want personal advice, we can match you with an FCA-authorised mortgage broker.
See what a £250,000 mortgage could cost
The 4.5% starting figure is an example you can change. It is not a live product, a market average, or the rate a lender would offer.
£1,389.58
a month on a repayment basis, before fees
- Interest-only
- £937.50
- Total interest
- £166,874
- Total paid
- £416,874
- At 5.50%
- £1,535.22
| Term | Monthly | +1 point | +2 points | Total interest |
|---|---|---|---|---|
| 15 years | £1,912.48 | £2,042.71 | £2,177.77 | £94,247 |
| 20 years | £1,581.62 | £1,719.72 | £1,863.93 | £129,590 |
| 25 years | £1,389.58 | £1,535.22 | £1,688.02 | £166,874 |
| 30 years | £1,266.71 | £1,419.47 | £1,580.17 | £206,017 |
| 35 years | £1,183.14 | £1,342.54 | £1,510.39 | £246,920 |
| 40 years | £1,123.91 | £1,289.43 | £1,463.64 | £289,475 |
A longer term usually lowers the monthly payment and raises total interest if the rate stays the same. Lender maximum age and term rules vary.
| LTV | Property price | Deposit |
|---|---|---|
| 95% | £263,158 | £13,158 |
| 90% | £277,778 | £27,778 |
| 85% | £294,118 | £44,118 |
| 75% | £333,333 | £83,333 |
| 60% | £416,667 | £166,667 |
What are you looking to do?
- Buy my first homeDeposit, stamp duty and what to have ready.
- RemortgageWhat a new deal could cost, and what to ask about a product transfer.
- Buy to letRent cover, deposit and how the mortgage is assessed.
- I'm self-employedAccounts, tax calculations and contract evidence.
- I have a credit history to explainWhat to gather before a broker looks at eligibility.
- I'm a company directorSalary, dividends and profit left in the company.
- See where I standAn on-screen illustration. Emailing it is optional, and separate from speaking to a broker.
- Weekly briefingMortgage news only. Signing up does not ask a broker to call you.
Latest published statistics
These are Bank of England statistics for the months shown, not mortgage deals you can apply for today. House purchase approvals are a seasonally adjusted count.
Mortgage rates · Mortgage market · House prices · Private rents · Housing affordability
Want to speak to a mortgage broker?
We can match you with one FCA-authorised broker. MortgageConnector introduces you. The broker gives the advice.
Speak to a mortgage brokerMortgageConnector provides free mortgage research and calculators. If you want personalised advice, we can introduce you to an FCA-authorised mortgage broker. We do not provide regulated mortgage advice ourselves.
The matching service is free for you. Partner brokers pay MortgageConnector for introductions. If you ask for an introduction, the details you submit are shared with the selected partner. The broker is responsible for regulated advice. Check the firm on the FCA Register.
Your home may be repossessed if you do not keep up repayments on your mortgage.