Payment £0

Free UK mortgage calculator · no sign-up

Drag a slider. Watch your mortgage move.

Every number recalculates as you go — your monthly payment, the jump when your fix ends, your equity, and what overpaying really buys you.

Start from a scenario

Your mortgage

Drag, or tap a number to type
0%
Fixed for
More options fees, income, SVR, offset

Pre-tax, per year. Most UK lenders cap borrowing around 4.5× income.

Monthly payment · first 5 years

£0

+£0/mo
LTV 0%
Upfront cash £0
Income multiple 0.0×
Total interest £0
Forecast

When your 5-year fix ends

at 2.0% a year price growth
Home worth£0
LTV then0%
Your equity £0
True cost£0payments + upfront fees

Your balance, year by year

Drag the timeline to see where you stand in any year.
Home value Balance, no overpaying Balance
Year5 of 25
Balance left£0
If overpaying£0
Your equity£0
Mortgage-free—
Year-by-year schedule interest, capital and balance
YearInterestCapitalBalance
Check your credit file before you apply Partner Every lender will look at it before offering a rate like 4.50% at 0% LTV. Try it free, then it's a paid monthly subscription – cancel online anytime. Check my credit file

What the banks don't put on the front page

Three questions worth asking

Open the full SVR Shock Calculator →
On your fixed rate · 4.50%£0
On the SVR · 7.50%£0

Frequently Asked Questions

Is TermZero really free to use?

Yes — every calculator on TermZero is free, with no sign-up required to see your numbers.

Is TermZero a mortgage broker or lender?

No. TermZero is an educational calculator, not a lender or a regulated mortgage broker, and it isn't authorised or regulated by the FCA. Always confirm figures with a qualified adviser before making financial decisions.

What can TermZero calculate that a standard mortgage calculator can't?

Alongside your monthly payment, TermZero shows the payment shock when your fixed rate ends and you revert to your lender's SVR, exact stamp duty (SDLT, LBTT, or LTT depending on nation), offset mortgage savings, and whether overpaying your mortgage or investing the same amount in a Stocks & Shares ISA leaves you better off.

Does TermZero store my financial information?

Your calculator inputs stay in your browser. The only data TermZero stores is what you explicitly submit, such as an email address if you request a report.