England mortgage calculator

Estimate your monthly mortgage payment for a home in England, United Kingdom. Adjust the home price, deposit, rate, and term below for an instant breakdown.

Jump to another calculator — pick a state or region to go there.

Country

State

England mortgage inputs

Home price

Deposit

Deposit amount

Rate (initial fixed period) — editable

Loan / amortization term

years

Council Tax — annual, check your local authority

Home insurance — annual

HOA / strata / service charge — monthly, if any

Gross monthly income — optional, for the affordability read below

Estimated monthly payment£1,739/ month

Principal & interest£1,527

Council Tax£183

Home insurance£29

Total monthly payment£1,739

Enter your gross monthly income above to see an affordability read (based on the standard 28% front-end DTI guideline).

Loan amount: £256,000

Default rate (5.2%, 2-year fixed (reverts to lender SVR after)) is an indicative United Kingdom figure — rates vary widely by lender and product, so edit it to match your own quote.

More United Kingdom calculators

Nation	Calculator
Scotland	Open calculator →
Wales	Open calculator →
Northern Ireland	Open calculator →

See all United Kingdom calculators →

Frequently asked questions

Is council tax the same everywhere in England?

No — Council Tax is set by your local council/authority and varies significantly by area and property band. The amount above is a rough starting point; check your local council's published rates and adjust the field to match.