UK Tool
Mortgage Calculator
Compare UK mortgage rates across 10 major lenders. Stress-test rate rises, check LTV against lender caps, and visualise 25+ years of amortisation.
£400,000
£40,000 · 10.0%
4.24%
Max LTV: 95%
Monthly Payment
£1,948
Loan Amount
£360,000
90.0% LTV
Deposit
£40,000
10.0% of price
Total Interest
£224,473
Total Paid
£584,473
Effective Rate
4.24%
Interest-to-Loan
62%
LTV Status
OK
Cap 95%
Rate Stress Test
If the Bank of England base rate rises, your payment changes like this:
4.24%
£1,948
+1% (5.24%)
£2,155
+£207/mo
+2% (6.24%)
£2,373
+£424/mo
+3% (7.24%)
£2,600
+£652/mo
Amortisation Schedule
Principal vs interest over the life of your mortgage.
Lender Comparison — 5-Year Fixed
Monthly payments across 10 UK lenders for your £360,000 loan over 25 years.
| Lender | Rate | Monthly | Total Interest | Total Paid |
|---|---|---|---|---|
| HSBCBest | 4.24% | £1,948 | £224,473 | £584,473 |
| Skipton BS | 4.26% | £1,952 | £225,682 | £585,682 |
| Yorkshire BS | 4.28% | £1,956 | £226,893 | £586,893 |
| Nationwide | 4.29% | £1,958 | £227,499 | £587,499 |
| Santander | 4.32% | £1,964 | £229,318 | £589,318 |
| Lloyds | 4.34% | £1,968 | £230,533 | £590,533 |
| Halifax | 4.35% | £1,970 | £231,141 | £591,141 |
| NatWest | 4.37% | £1,975 | £232,358 | £592,358 |
| Barclays | 4.39% | £1,979 | £233,576 | £593,576 |
| Virgin Money | 4.41% | £1,983 | £234,795 | £594,795 |
UK Mortgage Notes
Rates shown are indicative Q1 2026 benchmarks. BoE base rate assumed at 3.50%. Residential LTV capped at 95%, BTL / non-resident at 75%. Lenders run affordability stress tests at +1–3% over current rates — use the stress test above to plan for that.