Mortgage Repayment Calculator – Bristol, Bath & Beyond

Wondering what your monthly mortgage repayments might look like? Our Mortgage Repayment Calculator helps you estimate your payments based on your loan amount, interest rate, and term.


Whether you're buying your first home, remortgaging, or switching to a new deal, this calculator gives you a quick way to plan your budget.


Try the Calculator Now


We support buyers and homeowners across Bristol, Bath, and the surrounding areas with tailored mortgage advice and tools that make the process easier.

How the Calculator Works

Our calculator lets you enter:


  • Mortgage Amount (e.g. £200,000)
  • Interest Rate (e.g. 4.5%)
  • Term in Years (e.g. 25 years)


It then displays the estimated monthly repayments for:


  • Repayment Mortgage – paying both interest and capital
  • Interest-Only Mortgage – paying interest only, with capital due at the end


Use the Mortgage Repayment Calculator

Understanding Your Monthly Repayments

Repayment Mortgages

With a repayment mortgage, you pay back both the interest and a portion of the capital each month. By the end of the term, your mortgage is fully repaid.


Ideal for:

  • First-time buyers
  • Home movers
  • Remortgaging clients


Benefits:

  • Your balance reduces each month
  • You’ll fully repay the loan over the term
  • Fixed or tracker rate options available

Interest-Only Mortgages

You only pay the interest each month. The full mortgage amount is still owed at the end of the term, which you’ll need to repay using a separate plan (e.g. sale of a property or investment).


Ideal for:

  • Buy-to-let landlords
  • Clients with repayment strategies in place


Considerations:

  • Lower monthly payments
  • Requires a clear repayment plan for the capital

Common Questions About Mortgage Repayments

  • How much will my mortgage cost per month?

    That depends on your loan amount, term, and interest rate. Use the calculator for a quick estimate.

  • How do interest rates affect repayments?

    Higher interest rates increase your monthly payment. If you're on a variable or tracker deal, payments can fluctuate.

  • What term should I choose?

    Longer terms reduce monthly payments but increase total interest paid. We’ll help you find the right balance.

  • Can I afford these repayments?

    That depends on your income, outgoings, and other factors. Try our Borrowing Calculator or speak to us directly.

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Local Mortgage Help in Bristol & Bath

We work with homeowners and buyers across:


  • Bristol (Clifton, Bedminster, Redland, Southville)
  • Bath
  • Weston-super-Mare
  • Portishead
  • Clevedon
  • North Somerset
  • Gloucestershire
  • Exeter


If you’re searching for a "mortgage repayment calculator near me," we’re here to help.



Book a Free Consultation for tailored advice.

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Plan Your Next Step

Our calculator is a helpful tool, but nothing beats expert advice. Whether you're comparing repayment types or considering switching your mortgage, we’re here to guide you.


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YOUR HOME/PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.