Mortgage calculator

Initial payments and rate

The monthly payment and rate you'll pay until your introductory period ends.

Follow-on payments and rate

The payments and rate you'll pay after your introductory period ends if you don’t change anything.

APRC

Use the annual percentage rate of charge to compare the cost of our mortgages, including interest and fees, with those from other lenders.

Mortgage fee

You can pay this fee when you submit a mortgage application, or add it to the amount you borrow.

Total you'll pay

The amount you'll pay for this mortgage over the duration you've choosen if you don't change your mortgage and interest rates stay the same.

Loan to value

The percentage of the property value that you're going to borrow. We divide your mortgage amount by the property value to work out the LTV.

Early repayment charge

The amount you'll pay if you want to pay off the mortgage early or make an overpayment that's more than we've agreed to.

Fixed-rate

Your rate stays the same for a set period, so your monthly payments remain the same even if our base rate changes.

Tracker

Your rate is a certain amount above our base rate. If base rate goes up or down, your payments will too (it's sometimes called a 'variable rate').

Offset

Money you have in another account with us is used to lower the mortgage balance we charge interest on. All our offset mortgages are trackers.