Mortgage Tool
Mortgage Payment Impact Calculator
See how a change in interest rate could affect your monthly mortgage payment.
Enter your current mortgage details below to estimate how a different rate would change your monthly payment. This is for guidance only — your actual figures depend on lender criteria, term and product type.
Your details
Amount still owed. Examples: 250000, 250,000 (UK), 250.000 (EU).
Decimals: 4.5 (UK/US) or 4,5 (EU) — both work.
The rate you'd be moving onto, e.g. 5.5 or 5,5.
Years left to repay, e.g. 25. Most UK terms are 5–40.
Estimated impact
Current monthly payment
£1,390
New monthly payment
£1,535
Difference per month
+£146
Your monthly payment would increase.
As a mortgage is secured against your home or property, it could be repossessed if you do not keep up the mortgage repayments.
This is an estimate only and does not constitute financial advice. Speak to an adviser for personalised guidance.
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