Compare two UK mortgage scenarios side-by-side. Numbers update as you type.
GBP · Live calculation
Monthly paymentplaceholder
£1,795.87
Loan amount£315,000
LTV90.0%
Total interest£223,761
Total repayable£538,761
Property price
£50k£500k£1m£1.5m
Deposit(10.0%)
5%10%25%50%
Mortgage termyears
515253540
Interest rateannual %
0%2.5%5%7.5%10%
Repayment type
Monthly overpaymentoptional
£0£500£1k£1.5k£2k
Add an overpayment to see how much you'd save
Monthly paymentplaceholder
£1,516.87
Loan amount£280,000
LTV80.0%
Total interest£175,060
Total repayable£455,060
Property price
£50k£500k£1m£1.5m
Deposit(20.0%)
5%10%25%50%
Mortgage termyears
515253540
Interest rateannual %
0%2.5%5%7.5%10%
Repayment type
Monthly overpaymentoptional
£0£500£1k£1.5k£2k
Add an overpayment to see how much you'd save
Monthly difference−£279Scenario B vs Scenario A
Lifetime interest difference−£48,701over the full term
Total repayable difference−£83,701principal + interest
Lower monthly paymentScenario BSaves £279/mo
Balance remaining over time
Scenario AScenario BNo overpayment
Total cost breakdown
Scenario A
£538,761
Principal£315,000
Interest£223,761
Interest without overpayments£223,761
Saves £0 in interest
Scenario B
£455,060
Principal£280,000
Interest£175,060
Interest without overpayments£175,060
Saves £0 in interest
Estimates are for illustration only and assume a constant interest rate for the full term. Real UK mortgages typically have an initial fixed-rate period (2, 3, 5 or 10 years) followed by your lender's standard variable rate. Figures exclude product fees, stamp duty (SDLT), buildings insurance, and any early-repayment charges. Speak to a qualified mortgage broker before committing.