Use this UK mortgage calculator to estimate repayments when buying with a 50% deposit.
Use this UK mortgage calculator to estimate repayments when buying with a 50% deposit.
Deposit size affects both the amount you need to borrow and the range of mortgage products you may be offered.
A higher deposit can reduce loan-to-value and often leads to more competitive mortgage rates.
This page helps buyers compare monthly repayment changes across different deposit levels.
This is an estimate only and not financial advice. Actual mortgage offers depend on lender rules, fees, affordability checks and your credit profile.
| Item | Value |
|---|---|
| Property price | £350,000 |
| Deposit | £35,000 |
| Rate | 4.75% |
| Term | 25 years |
| Mortgage type | Repayment |
What affects my monthly payment?
The biggest factors are the loan amount, interest rate, loan term and whether the mortgage is repayment or interest-only.
Is this a lender quote?
No. This is a planning estimate only and should be used for comparison, not as a guaranteed offer.
Why are there pages for cities, salaries and deposits?
These pages help visitors compare more specific scenarios and make the site easier to navigate.