UK Mortgage Intelligence • 2026 Fiscal Rates
The total purchase price of the property you intend to buy.
The amount of cash you are putting down upfront. Typically at least 5% to 10% of the property price.
The current estimated market value of your property. Lenders use this to calculate your Loan-to-Value (LTV) ratio.
The total outstanding amount you currently owe to your existing mortgage lender.
The total length of the mortgage. 25 years is standard, but many now opt for 30 or 35 years to lower their monthly repayments.
Repayment: You pay back both interest and the loan capital.
Interest Only: Your loan balance remains the same; you only pay the interest charges each month.
The introductory interest rate for your mortgage (e.g. your 2 or 5-year fixed rate).
How long your initial interest rate is guaranteed for before it reverts to the lender's Standard Variable Rate (SVR).
The Standard Variable Rate. This is the default interest rate your mortgage switches to after your fixed period ends. It is usually much higher.
An arrangement fee charged by the lender to secure a specific mortgage deal.
Add to Loan: Capitalises the fee, adding it to your total loan amount.
Pay Upfront: You pay the fee out of pocket upfront.
The Early Repayment Charge. The percentage your bank charges for leaving your fixed rate early (e.g., 2%).
Add to Loan: The penalty cost is capitalised into your new mortgage debt.
Pay Upfront: You pay the bank this fee in cash.
Your total pre-tax annual income. UK lenders typically cap borrowing at 4.5x your income to ensure affordability.
Stamp duty rules vary across the UK (SDLT, LBTT, LTT). Select your region to ensure accurate tax calculations.
First-time buyers often receive stamp duty relief. Additional properties (like Buy-to-Let) incur a tax surcharge.
Any extra money you pay towards your mortgage each month. This reduces your capital directly and saves you interest.
Initial Monthly Payment
Reverts to £0/mo on SVR
LTV
0%
Income Multiplier
0.0x
Stamp Duty
£0
vs 7.5% SVR
Total Interest
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