UK Mortgage Calculator (May 2026)
Calculate mortgage payments with our integrated stamp duty calculator UK. Monthly payments, total cost, and SDLT calculations with our mixed household calculator for complex property purchases. Perfect for remortgaging, first-time buyers, and overpayment planning.
🏠 Need stamp duty calculations? Use our main stamp duty calculator for detailed SDLT, LBTT & LTT breakdowns
Bank of England base rate: 3.75% (held at the April 2026 MPC meeting) • next MPC: 18 June 2026
£
Enter to calculate SDLT
£
LTV: 80%
years
% per year
2-year fixed average: 5.75%
⚡Coming off a fixed deal?
Compare your current payment with what you'd pay on a new mortgage. Around 800,000 UK households face this situation each year through to 2027.
Enter your mortgage details to see calculations
Sources & verification
Calculations use mortgage rates and SDLT thresholds current at the date shown. Last verified against linked publications on 17 May 2026.
• Bank of England base rate — BoE Bank Rate history; confirmed at 3.75% by Confused.com BoE explainer
• Mortgage rate averages — Moneyfacts via Forbes Advisor UK and HomeOwners Alliance mortgage rate forecast
• SDLT rates and thresholds — GOV.UK · Stamp Duty Land Tax residential rates
• Payment-shock cohort and remortgage volume — BBC News, April 2026