UK Mortgage Repayment, LTV & Affordability Calculator (2026/27)
Borrowing £280,000 on a £350,000 UK home with a £70,000 (20%) deposit places you in the 80% Loan-to-Value (LTV) tier, with a monthly repayment of £1,548.40 over 25 years at 4.45% interest.
| UK Mortgage Benchmark (25 Years at 4.45%) | Deposit & LTV Tier | Monthly Capital & Interest |
|---|---|---|
| £250,000 Property (£25k Deposit) | 90% LTV (£225,000 Loan) | £1,244.25/mo |
| £350,000 Property (£70k Deposit) | 80% LTV (£280,000 Loan) | £1,548.40/mo |
| £450,000 Property (£90k Deposit) | 80% LTV (£360,000 Loan) | £1,990.79/mo |
| £600,000 Property (£150k Deposit) | 75% LTV (£450,000 Loan) | £2,488.49/mo |