Uk Simple Mortgage Calculator

Work out your monthly mortgage repayment in under 10 seconds — no internet connection, no account, no bank app required.

Built specifically for homebuyers, remortgagers, and property researchers.
Open the app, enter your figures, get your number.

WHY THIS APP
Every other mortgage calculator either belongs to a bank that wants your data, a comparison site that wants your email, or an app built for the US market with dollar defaults. This one is built for the UK, works offline, and asks for nothing.

WHAT IT CALCULATES
- Monthly repayment (standard annuity formula)
- Total amount repayable over the full term
- Total interest paid
- Loan-to-value (LTV) percentage
- Interest-only monthly payment (toggle for buy-to-let modelling)
- Save search for you to compare
- Share your search online

UK DEFAULTS OUT OF THE BOX
• 25-year term pre-filled
• 20% deposit pre-filled
• GBP (£) throughout — no dollar signs, ever
• Example rate labelled clearly so you know to edit it

FEATURES
• Fully offline — zero network calls during calculation
• Reactive results — figures update as you type, no Calculate button to tap
• Switch between repayment and interest-only in one tap
• Share your result as plain text via the native share sheet
• Remembers your last calculation when you reopen the app
• No signup, no account, no data sent anywhere

HONEST ABOUT WHAT IT IS
All results are clearly labelled as illustrative and calculated using the standard annuity formula. This is a number-getting tool, not financial advice. A disclaimer is shown on every result.

For illustrative purposes only. Not financial advice. Always consult a qualified mortgage adviser before making financial decisions.

Recent changes:
Full production release with features:
- Mortgage calculator logic
- Interest Only calculator logic
- Ability to save searches
- Ability to share searches