Repayment or interest-only, over your full mortgage term — with the year-by-year balance schedule most calculators leave out.
| Year | Principal paid | Interest paid | Balance |
|---|
England & Northern Ireland, Scotland and Wales run three separate systems with different bands, thresholds and surcharges — pick the one that applies to your purchase.
| Band | Rate | Tax in band |
|---|
Lenders cap lending by income multiple, then re-test your payment at a higher “stress” rate to make sure a rate rise wouldn’t break you.
UK mortgage pricing moves in LTV tiers — crossing from 85% to 80% LTV, say, typically unlocks a materially better rate.