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How much could my mortgage go up by?

At this rate, your payments could change by…

monthly change

to

monthly total

The information you proed on your monthly payments would not be sufficient to pay off your mortgage within the number of years given.

This calculator does not constitute financial advice. It is based on a standard mortgage repayment formula based on the mortgage size and length and a fixed interest rate. It should be used as a guide only and does not represent the suitability, eligibility or availability of mortgage offers for users. For exact figures, users will need to approach an official mortgage lender.

Interest rates fluctuate based on the Bank of England’s base rate and market conditions.

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If not, enter the total you are looking to borrow.\\u003c/div>\\n \\u003c/div>\\n \\u003c/div>\\n \\n \\u003cdiv class=\\\”input__container \\\”>\\n \\u003cinput id=\\\”form_input_1\\\”\\n name=\\\”form_input_1\\\” \\n type=\\\”number\\\”\\n value=\\\”150000\\\”\\n min=\\\”0\\\” \\n max=\\\”10000000\\\”\\n data-default=\\\”150000\\\”\\n step=\\\”any\\\”\\n required=\\\”required\\\”\\n >\\n \\n \\u003cdiv class=\\\”input__btn-container\\\”>\\n \\u003cbutton class=\\\”input__btn-increment\\\” data-direction=\\\”increment\\\” data-key=\\\”form_input_1\\\” aria-label=\\\”increase £\\\”>\\u003c/button>\\n \\u003cbutton class=\\\”input__btn-decrement\\\” data-direction=\\\”decrement\\\” data-key=\\\”form_input_1\\\” aria-label=\\\”decrease £\\\”>\\u003c/button>\\n \\u003c/div>\\n \\u003cspan class=\\\”input__number-format\\\” aria-hidden=\\\”true\\\”>£\\u003c/span>\\n \\u003c/div>\\n \\u003cdiv class=\\\”label__container\\\”>\\n \\u003clabel class=\\\”label__input \\\” for=\\\”form_input_2\\\”>How long will you take to pay it back?\\u003c/label>\\n \\u003cbutton class=\\\”label__info-btn\\\” data-id=\\\”info-button-2\\\” aria-label=\\\”More info on repayment periods\\\”>\\u003c/button>\\n \\u003cdiv class=\\\”info-box info-button-2\\\”>\\n \\u003cdiv class=\\\”info-box__text info-button-2\\\”>If you have an existing mortgage enter the total number of years remaining. If not, enter the total number of years you are looking to borrow over.\\u003c/div>\\n \\u003c/div>\\n \\u003c/div>\\n \\n \\u003cdiv class=\\\”input__container \\\”>\\n \\u003cinput id=\\\”form_input_2\\\”\\n name=\\\”form_input_2\\\” \\n type=\\\”number\\\”\\n value=\\\”20\\\”\\n min=\\\”1\\\” \\n max=\\\”50\\\”\\n data-default=\\\”20\\\”\\n step=\\\”any\\\”\\n required=\\\”required\\\”\\n >\\n \\n \\u003cdiv class=\\\”input__btn-container\\\”>\\n \\u003cbutton class=\\\”input__btn-increment\\\” data-direction=\\\”increment\\\” data-key=\\\”form_input_2\\\” aria-label=\\\”increase years\\\”>\\u003c/button>\\n \\u003cbutton class=\\\”input__btn-decrement\\\” data-direction=\\\”decrement\\\” data-key=\\\”form_input_2\\\” aria-label=\\\”decrease years\\\”>\\u003c/button>\\n \\u003c/div>\\n \\u003cspan class=\\\”input__number-format\\\” aria-hidden=\\\”true\\\”>years\\u003c/span>\\n \\u003c/div>\\n \\u003cdiv class=\\\”radio__container\\\”>\\n \\u003cfieldset>\\n \\u003cdiv class=\\\”label__container\\\”>\\n \\u003clegend class=\\\”label__input\\\”>What is your current…\\u003c/legend>\\n \\u003cbutton class=\\\”label__info-btn\\\” data-id=\\\”info-button-3\\\” aria-label=\\\”More info on interest rates\\\”>\\u003c/button>\\n \\u003cdiv class=\\\”info-box info-button-3\\\”>\\n \\u003cdiv class=\\\”info-box__text\\\”>For those with a mortgage enter the rate for your current fixed term. For those without a mortgage enter an interest rate from another source, such as a bank's mortgage rate calculator.\\u003c/div>\\n \\u003c/div>\\n \\u003c/div>\\n \\u003cdiv class=\\\”radio__group\\\”>\\n \\u003cdiv class=\\\”input-container\\\”>\\n \\u003cinput class=\\\”radio-input\\\” type=\\\”radio\\\” id=\\\”interest\\\” name=\\\”format-selector\\\” value=\\\”interest\\\” checked=\\\”true\\\”>\\n \\u003clabel for=\\\”interest\\\”>interest rate\\u003c/label>\\n \\u003c/div>\\n \\u003cdiv class=\\\”input-container\\\”>\\n \\u003cinput class=\\\”radio-input\\\” type=\\\”radio\\\” id=\\\”monthly\\\” name=\\\”format-selector\\\” value=\\\”monthly\\\”>\\n \\u003clabel for=\\\”monthly\\\”>monthly payment\\u003c/label>\\n \\u003c/div>\\n \\u003c/div>\\n \\u003c/fieldset>\\n \\n \\u003cdiv class=\\\”label__container\\\”>\\n \\u003clabel class=\\\”label__input off-screen\\\” for=\\\”form_radio_input_1\\\”>interest rate\\u003c/label>\\n \\u003c/div>\\n \\n \\u003cdiv class=\\\”input__container input__container–radio\\\”>\\n \\u003cinput id=\\\”form_radio_input_1\\\”\\n name=\\\”form_radio_input_1\\\” \\n type=\\\”number\\\”\\n value=\\\”2.00\\\”\\n min=\\\”0.50\\\” \\n max=\\\”10.50\\\”\\n data-default=\\\”2.00\\\”\\n step=\\\”any\\\”\\n required=\\\”required\\\”\\n >\\n \\n \\u003cdiv class=\\\”input__btn-container\\\”>\\n \\u003cbutton class=\\\”input__btn-increment\\\” data-direction=\\\”increment\\\” data-key=\\\”form_radio_input_1\\\” aria-label=\\\”increase %\\\”>\\u003c/button>\\n \\u003cbutton class=\\\”input__btn-decrement\\\” data-direction=\\\”decrement\\\” data-key=\\\”form_radio_input_1\\\” aria-label=\\\”decrease %\\\”>\\u003c/button>\\n \\u003c/div>\\n \\u003cspan class=\\\”input__number-format\\\” aria-hidden=\\\”true\\\”>%\\u003c/span>\\n \\u003c/div>\\n \\u003c/div>\\n \\u003cdiv class=\\\”label__container\\\”>\\n \\u003clabel class=\\\”label__input \\\” for=\\\”form_input_3\\\”>Choose an interest rate to compare with…\\u003c/label>\\n \\u003c/div>\\n \\n \\u003cdiv class=\\\”input__container \\\”>\\n \\u003cinput id=\\\”form_input_3\\\”\\n name=\\\”form_input_3\\\” \\n type=\\\”number\\\”\\n value=\\\”6.00\\\”\\n min=\\\”0.10\\\” \\n max=\\\”100.00\\\”\\n data-default=\\\”6.00\\\”\\n step=\\\”any\\\”\\n required=\\\”required\\\”\\n >\\n \\n \\u003cdiv class=\\\”input__btn-container\\\”>\\n \\u003cbutton class=\\\”input__btn-increment\\\” data-direction=\\\”increment\\\” data-key=\\\”form_input_3\\\” aria-label=\\\”increase %\\\”>\\u003c/button>\\n \\u003cbutton class=\\\”input__btn-decrement\\\” data-direction=\\\”decrement\\\” data-key=\\\”form_input_3\\\” aria-label=\\\”decrease %\\\”>\\u003c/button>\\n \\u003c/div>\\n \\u003cspan class=\\\”input__number-format\\\” aria-hidden=\\\”true\\\”>%\\u003c/span>\\n \\u003c/div>\\n \\u003cinput class=\\\”submit-btn\\\” type=\\\”submit\\\” value=\\\”Calculate\\\” />\\n \\u003c/form>\\n \\u003cdiv class=\\\”results__container–figures\\\” aria-hidden=\\\”true\\\”>\\n \\u003cdiv class=\\\”width-restrict\\\”>\\n \\u003cp class=\\\”results__para\\\”>At this rate, your payments could change by…\\u003c/p>\\n \\u003cdiv class=\\\”results__figures\\\”>\\n \\u003cp class=\\\”results__figure results__figure–monthly-increase\\\”>\\u003cspan class=\\\”figure\\\”>\\u003c/span>\\n monthly change\\u003c/p>\\n \\u003cp class=\\\”results__figure–to\\\”>to\\u003c/p>\\n \\u003cp class=\\\”results__figure results__figure–monthly-total\\\”>\\u003cspan class=\\\”figure\\\”>\\u003c/span>\\n monthly total\\u003c/p>\\n \\u003c/div>\\n \\u003c/div>\\n \\u003c/div>\\n \\u003cp class=\\\”results–off-screen off-screen\\\”>\\u003c/p>\\n \\u003cdiv class=\\\”results__container–repayment-estimate\\\”>\\n \\u003cp class=\\\”results__estimate width-restrict\\\”>\\u003c/p>\\n \\u003c/div>\\n \\u003cdiv class=\\\”results__container–error\\\”>\\n \\u003cp class=\\\”results__error\\\”>The information you proed on your monthly payments would not be sufficient to pay off your mortgage within the number of years given.\\u003c/p>\\n \\u003c/div>\\n \\u003cdiv class=\\\”disclaimer\\\”>\\n \\u003cp class=\\\”disclaimer-para\\\”>This calculator does not constitute financial advice. It is based on a standard mortgage repayment formula based on the mortgage size and length and a fixed interest rate. It should be used as a guide only and does not represent the suitability, eligibility or availability of mortgage offers for users. 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period.\”,\”attributes\”:[]}}]}}]}},{\”type\”:\”text\”,\”model\”:{\”blocks\”:[{\”type\”:\”paragraph\”,\”model\”:{\”text\”:\”Any arrangement you come to, the FCA points out, will be reflected on your credit file – affecting your ability to borrow money in the future – as will any missed payments.\”,\”blocks\”:[{\”type\”:\”fragment\”,\”model\”:{\”text\”:\”Any arrangement you come to, the FCA points out, will be reflected on your credit file – affecting your ability to borrow money in the future – as will any missed payments.\”,\”attributes\”:[]}}]}}]}},{\”type\”:\”text\”,\”model\”:{\”blocks\”:[{\”type\”:\”paragraph\”,\”model\”:{\”text\”:\”Your lender might also suggest extending the term of the mortgage or let you pay just the interest for a certain period of time.\”,\”blocks\”:[{\”type\”:\”fragment\”,\”model\”:{\”text\”:\”Your lender might also suggest extending the term of the mortgage or let you pay just the interest for a certain period of 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run some mortgage-support schemes – but the criteria can be complex. Here is a guide from the government-backed Moneyhelper website.\”,\”blocks\”:[{\”type\”:\”fragment\”,\”model\”:{\”text\”:\”The devolved governments run some mortgage-support schemes – but the criteria can be complex. Here is \”,\”attributes\”:[]}},{\”type\”:\”urlLink\”,\”model\”:{\”text\”:\”a guide from the government-backed Moneyhelper website\”,\”locator\”:\”https://www.moneyhelper.org.uk/en/homes/buying-a-home/government-help-if-you-cant-pay-your-mortgage\”,\”blocks\”:[{\”type\”:\”fragment\”,\”model\”:{\”text\”:\”a guide from the government-backed Moneyhelper website\”,\”attributes\”:[]}}]}},{\”type\”:\”fragment\”,\”model\”:{\”text\”:\”.\”,\”attributes\”:[]}}]}}]}},{\”type\”:\”subheadline\”,\”model\”:{\”blocks\”:[{\”type\”:\”text\”,\”model\”:{\”blocks\”:[{\”type\”:\”paragraph\”,\”model\”:{\”text\”:\”Could I lose my home?\”,\”blocks\”:[{\”type\”:\”fragment\”,\”model\”:{\”text\”:\”Could I lose my home?\”,\”attributes\”:[]}}]}}]}}],\”level\”:2,\”fontScale\”:\”headlineSmall\”,\”id\”:\”Could-I-lose-my-home\”,\”isFocusable\”:true}},{\”type\”:\”text\”,\”model\”:{\”blocks\”:[{\”type\”:\”paragraph\”,\”model\”:{\”text\”:\”Some people may decide to sell their home and – in extreme circumstances – the lender could take court action to repossess it.\”,\”blocks\”:[{\”type\”:\”fragment\”,\”model\”:{\”text\”:\”Some people may decide to sell their home and – in extreme circumstances – the lender could take court action to repossess it.\”,\”attributes\”:[]}}]}}]}},{\”type\”:\”text\”,\”model\”:{\”blocks\”:[{\”type\”:\”paragraph\”,\”model\”:{\”text\”:\”Repossessions are far rarer than they used to be.\”,\”blocks\”:[{\”type\”:\”fragment\”,\”model\”:{\”text\”:\”Repossessions are far rarer than they used to be.\”,\”attributes\”:[]}}]}}]}},{\”type\”:\”text\”,\”model\”:{\”blocks\”:[{\”type\”:\”paragraph\”,\”model\”:{\”text\”:\”There are lots of stages before a lender can take such action. \”,\”blocks\”:[{\”type\”:\”fragment\”,\”model\”:{\”text\”:\”There are lots of stages before a lender can take such action. \”,\”attributes\”:[]}}]}}]}},{\”type\”:\”text\”,\”model\”:{\”blocks\”:[{\”type\”:\”paragraph\”,\”model\”:{\”text\”:\”And the whole process takes about two years.\”,\”blocks\”:[{\”type\”:\”fragment\”,\”model\”:{\”text\”:\”And the whole process takes about two years.\”,\”attributes\”:[]}}]}}]}},{\”type\”:\”text\”,\”model\”:{\”blocks\”:[{\”type\”:\”paragraph\”,\”model\”:{\”text\”:\”But if you think your home is at risk, it is well worth getting free, independent debt advice.\”,\”blocks\”:[{\”type\”:\”fragment\”,\”model\”:{\”text\”:\”But if you think your home is at risk, it is well worth getting \”,\”attributes\”:[]}},{\”type\”:\”urlLink\”,\”model\”:{\”text\”:\”free, independent debt advice\”,\”locator\”:\”https://www.moneyhelper.org.uk/en/money-troubles/dealing-with-debt/debt-advice-locator\”,\”blocks\”:[{\”type\”:\”fragment\”,\”model\”:{\”text\”:\”free, independent debt advice\”,\”attributes\”:[]}}]}},{\”type\”:\”fragment\”,\”model\”:{\”text\”:\”.\”,\”attributes\”:[]}}]}}]}},{\”type\”:\”links\”,\”model\”:{\”blocks\”:[{\”type\”:\”link\”,\”model\”:{\”headline\”:\”How the UK interest rate rise will affect you\”,\”image\”:{\”alt\”:\”Block of 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