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Ballpark figures to help you plan, from monthly repayments to stamp duty across all three UK nations. They are a guide, not a quote, and we are always happy to work through the real numbers with you.
Work out the monthly cost of a repayment mortgage, and see how much interest you pay over the full term.
Illustration only. Your actual rate and payment depend on the lender, product and your circumstances.
A quick guide based on income. Most lenders work to somewhere between four and four-and-a-half times income, though a few stretch further.
A guide, not a decision. Lenders assess credit, outgoings and the type of income before agreeing a figure.
2025/26 rates for England (SDLT), Scotland (LBTT) and Wales (LTT), including first-time buyer relief and the additional-property surcharge.
First-time buyer relief in Wales does not apply; LTT has no first-time buyer scheme.
See how a regular monthly overpayment shortens your term and cuts the interest you pay.
Check your deal first. Many mortgages allow overpayments of up to 10% a year without an early-repayment charge.
Your LTV is the slice of the property value you are borrowing. Lower LTVs usually unlock better rates.
Lenders price in bands (for example 60, 75, 85, 90%). Nudging into a lower band can drop your rate.
Gross yield compares rent to price. Net yield takes running costs off first, which is the number that matters to lenders.
Costs typically include management, insurance, maintenance and void periods, but not the mortgage itself.
Pausing payments means interest keeps building. This shows what a break adds to your balance and your future payment.
A payment holiday is at your lender's discretion and is not always available. Speak to us before you arrange one.
Figures are for illustration only and do not constitute advice or an offer of credit. Stamp duty uses 2025/26 rates. Your actual mortgage, payment and any tax depend on your circumstances and the lender.
Bring your numbers to a free callback and we will turn a rough figure into a real plan.