Mortgage Calculator
Calculate your estimated monthly mortgage payments, total interest, and the true cost of your new build home loan.
Enter Your Details
Your Mortgage
Important Notes
This calculator provides an estimate based on a standard repayment mortgage with fixed interest. Actual payments may differ based on your lender's terms, fees, and whether you choose a fixed or variable rate.
Most new build mortgages require a minimum 5–10% deposit. Some government schemes like Deposit Unlock allow 5% deposits on new builds.
Detailed Mortgage Insights
Principal vs Interest
How much of your total repayment goes to the lender as interest.
How Interest Rate Affects Your Payment
See how your monthly payment changes at different interest rates.
How Deposit Size Affects Your Payment
Higher deposits mean lower monthly payments and less interest overall.
Overpayment Impact
See how paying a little extra each month can save you thousands in interest and years off your mortgage.
Rate Rise Stress Test
Could you still afford your mortgage if rates increased? Lenders typically stress test at +3%.
Find Properties in Your Budget
Browse new build homes in your price range.
Plan Your Full Property Budget
Your mortgage is just one part of the cost. Use our other free tools to budget for stamp duty, check affordability, and estimate moving costs.
More Free Tools
Try our other free property calculators and planning tools.