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What is your mortgage for?

 
Details sort by initial rateLenderInitial rate Rate type Overall cost for comparison Product fee Monthly cost Enquire
Initial rate: 3.84%
Rate type: 5 year fixed
Monthly cost: £934.28 per month
Product fee: £995
Overall cost for comparison: 6.4% APRC
NatWest logo 3.84% 5 year fixed 6.4% APRC £995 £934.28 per month get quotes
Initial rate: 3.87%
Rate type: 5 year fixed
Monthly cost: £937.23 per month
Product fee: £0
Overall cost for comparison: 6% APRC
Santander logo 3.87% 5 year fixed 6% APRC £0 £937.23 per month get quotes Broker Only Deal
Initial rate: 3.89%
Rate type: 5 year fixed
Monthly cost: £939.21 per month
Product fee: £999
Overall cost for comparison: 5.9% APRC
HSBC logo 3.89% 5 year fixed 5.9% APRC £999 £1250 cashback £939.21 per month get quotes Broker Only Deal
Initial rate: 3.89%
Rate type: 5 year fixed
Monthly cost: £939.21 per month
Product fee: £995
Overall cost for comparison: 6.4% APRC
NatWest logo 3.89% 5 year fixed 6.4% APRC £995 £939.21 per month get quotes
Initial rate: 3.92%
Rate type: 3 year fixed
Monthly cost: £942.17 per month
Product fee: £999
Overall cost for comparison: 7.4% APRC
Halifax 3.92% 3 year fixed 7.4% APRC £999 £250 cashback £942.17 per month get quotes
Initial rate: 3.92%
Rate type: 3 year fixed
Monthly cost: £942.17 per month
Product fee: £999
Overall cost for comparison: 7.3% APRC
Halifax 3.92% 3 year fixed 7.3% APRC £999 £250 cashback £942.17 per month get quotes Broker Only Deal
Initial rate: 3.92%
Rate type: 3 year fixed
Monthly cost: £942.17 per month
Product fee: £0
Overall cost for comparison: 6.5% APRC
Santander logo 3.92% 3 year fixed 6.5% APRC £0 £942.17 per month get quotes Broker Only Deal
Initial rate: 3.93%
Rate type: 5 year fixed
Monthly cost: £943.16 per month
Product fee: £999
Overall cost for comparison: 6.7% APRC
Halifax 3.93% 5 year fixed 6.7% APRC £999 £250 cashback £943.16 per month get quotes
Initial rate: 3.93%
Rate type: 5 year fixed
Monthly cost: £943.16 per month
Product fee: £999
Overall cost for comparison: 6.7% APRC
Halifax 3.93% 5 year fixed 6.7% APRC £999 £250 cashback £943.16 per month get quotes Broker Only Deal
Initial rate: 3.94%
Rate type: 5 year fixed
Monthly cost: £944.15 per month
Product fee: £999
Overall cost for comparison: 6.7% APRC
Lloyds Bank 3.94% 5 year fixed 6.7% APRC £999 £250 cashback £944.15 per month get quotes
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Representative Example:

A repayment mortgage of £120,000 payable over 28 years and 1 month initially on a fixed rate for 2 years at 1.99% and then on the lender current variable rate of 3.69% (variable) for the remaining 26 years and 1 month would require 24 monthly payments of £465.20 and 312 monthly payments of £565.39 and one final payment of £565.19.

 

The total amount payable would be £189,357.67 made up of the loan amount plus interest (£68,161.67), booking fee (£999), completion fee (£30) and valuation fee (£197).

 

In this example the overall cost for comparison is 3.7% APRC representative.

 

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT

Mortgage Calculator

Our mortgage calculator above is simple and easy to use – and best of all, it’s completely FREE. It can help you to:

  • Find the latest mortgage deals based on your income, property value, deposit and buyer status

  • Estimate how much you might be able to borrow

  • See how much your mortgage repayments might be each month

  • Find out how much you might be able to borrow without affecting your credit score 

Mortgage calculators can be a really useful tool for helping you to find the right mortgage. A mortgage calculator can give you an idea of how much you will be allowed to borrow as well as helping you to narrow down the current mortgage deals that are suitable for your circumstances.

How to use the Fair Mortgages mortgage calculator

Our online mortgage calculator has been designed to be quick and easy to use.

Your property value

You will then need to fill in your chosen property’s value, and the amount you can put down as a deposit. This information is used to calculate the total amount you’ll need to borrow, and therefore the loan to value ratio (LTV). This is the percentage difference between the value of the property and the value of your deposit – so if you wanted to buy a £200,000 property and you put down a 10% deposit of £20,000, you would need a mortgage of 90% LTV to make up the difference.

You mortgage options

Once you have filled in your income and property information, you can then choose from several options to help you find the right mortgage. You can choose:

  • The type of mortgage you are looking for – choose from remortgage, home mover, first time buyer, help to buy, or buy to let.

  • The payment method you would like to use – choose from capital and interest or interest only repayment options.

  • The payment term – you can choose how long you want the mortgage to be, with options ranging from 1 to 40 years.

Points to remember when using a mortgage calculator

Our mortgage calculator can give you an indication of what kind of mortgage deals you might be able to get, but you should bear in mind that this is only an indication and does not constitute advice, or guarantee that you will be offered a mortgage on the terms shown from the selected lenders.

To speak to one of our mortgage advisers click here »

When working out your mortgage payments using our mortgage calculator, you should also factor in other costs such as arrangement fees, legal fees, surveys and valuations.

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