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. For commercial properties with residential elements, use our mixed-use stamp duty calculator. 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

Property price (optional)

Enter to calculate SDLT

Loan amount

LTV: 80%

Term

years

Interest rate

% per year

2-year fixed average: 5.75%

Rate type

Buyer type (for SDLT)

⚡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.

Full payment shock guide →

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