UK Mortgage Affordability Tool 2026
Mortgage Repayment & LTV Calculator
Understand how property prices, deposit amounts, and mortgage terms affect your monthly payment. Benchmark across 60%, 75%, 80%, and 90% Loan-to-Value (LTV) tiers.
Mortgage Repayment Calculator
Calculate your monthly repayments and Loan-to-Value (LTV) tier for UK properties.
Property Price £350,000
%
Estimated Monthly Repayment
£1,460 /mo
Loan Amount: £272,000
Deposit Required: £48,000
LTV Tier: 85% LTV
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2026 UK Benchmark Fixed Mortgage Rates by LTV Tier
Typical competitive lender rates across the UK market for prime residential borrowers.
| LTV Tier | Min. Deposit | 2-Year Fixed (Avg) | 5-Year Fixed (Avg) | Risk Level |
|---|---|---|---|---|
| 60% LTV | 40% Deposit | 4.15% | 3.95% | Lowest (Best Rates) |
| 75% LTV | 25% Deposit | 4.35% | 4.10% | Low |
| 80% LTV | 20% Deposit | 4.55% | 4.25% | Moderate |
| 90% LTV | 10% Deposit | 4.95% | 4.50% | Higher (FTB friendly) |
| 95% LTV | 5% Deposit | 5.45% | 4.95% | Mortgage Guarantee |