Mortgage term
Changing the term recalculates monthly payments and the payment-based borrowing cap.
This information does not contain all of the details you need to choose a mortgage.
Make sure that you read the separate key facts illustration before you make a decision.
Your details
Enter your income, commitments, deposit, term and interest rate to estimate possible borrowing and monthly payments.
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Estimate style
The estimate uses the lower of an income-multiple calculation and a monthly-payment affordability calculation. Lenders use more detailed models.
Estimated borrowing
£0
Enter your details to see an indicative estimate.
£0 per month
Estimated capital and interest repayment based on the selected term and interest rate.
Total annual income£0
Income multiple cap£0
Payment affordability cap£0
Commitment/dependant adjustment£0
Estimated purchase budget incl. deposit£0
Estimated loan to value0%
This is an indicative estimate only. Actual borrowing depends on lender criteria, credit history, spending, deposit, term, age, property type and affordability checks.
Speak to an adviser
Why the term now matters
A longer term usually reduces the monthly repayment, but it can increase total interest paid over the life of the mortgage.
Interest rate
A higher rate increases monthly repayments, which can reduce estimated affordability.
Commitments
Loans, car finance, cards and dependants reduce the indicative amount available.
Want a more accurate figure?
Speak to Bradleys Mortgages for a personalised affordability review.