Most mortgage calculators are free and can estimate your monthly repayments from the loan amount, deposit, interest rate and term. Your overall cost may also include arrangement, valuation and legal fees, plus buildings insurance and potentially Stamp Duty Land Tax. The result is only an illustration because rates, affordability checks and lender criteria vary, and a tracker or variable-rate mortgage can change your payments. Compare the calculator’s estimate with an FCA-authorised mortgage adviser or lender’s personalised illustration before making a decision.