BoE Live · Indicative Rates
    BoE Base—
    2yr Fixed4.12%
    5yr Fixed3.89%
    TrackerBBR + 0.45%
    Best Buy3.64%
    SVR Avg7.99%
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    Your monthly mortgage

    Mortgage Repayment Calculator

    Three quick questions, one clear answer. We calculate your monthly payment using the standard amortisation formula in 28-digit decimal precision.

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    Average house price data for Oxford is sourced from UK Land Registry statistics. Pre-filled values are illustrative — adjust them to match your actual property and mortgage. Updated for May 2026.

    Step 1 of 3

    Property price and deposit

    Set the property price and your deposit. We will work out the loan you need.

    £
    £50,000£2,500,000
    £
    £0£312,500

    Loan you need

    £250,000

    LTV 80.0% · Deposit 20.0%

    Last updated: 30 April 2026

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    RepayWise provides financial information, not advice. We are not a lender, broker, or FCA-authorised adviser. Calculations follow current UK tax bands and standard amortisation formulas under the Financial Services and Markets Act 2000.

    Your home may be repossessed if you do not keep up repayments on your mortgage.

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    ⚠️ Your home may be repossessed if you do not keep up repayments on your mortgage.

    RepayWise is an independent financial calculation tool. We are not affiliated with, endorsed by, or acting on behalf of any bank, building society, or mortgage lender named on this website. We will never ask for your bank login, account details, passwords, or personal financial credentials. All lender names are used for descriptive identification purposes only.

    RepayWise provides mathematical modelling and information for educational purposes only. It does not constitute regulated financial advice under the Financial Services and Markets Act 2000. Calculations are estimates and may not reflect exact lender terms, fees, or conditions. Always consult a qualified, FCA-regulated mortgage adviser before making financial decisions.

    Privacy: RepayWise does not collect, store, or transmit any personal data. No cookies are used for tracking. No email addresses, financial details, or usage data are retained. All calculations are performed locally in your browser.

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