UK Mortgage Calculator (May 2026)
Calculate your monthly mortgage payments, total cost, stamp duty and overpayment savings — with current UK rates and 2026 SDLT thresholds. Used by people remortgaging off cheap fixed deals, first-time buyers working out affordability, and homeowners planning overpayments.
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