This calculator provides an indicative estimate only using a standard capital-and-interest (repayment) or interest-only amortisation formula at a fixed rate for illustration, based on typical UK residential mortgage rates in 2026 (around 5.5% average for 2 and 5-year fixes). It does not constitute a mortgage illustration, quotation, or offer of finance, and does not reflect product fees, arrangement fees, or your personal affordability assessment. Your actual rate and maximum loan will depend on the lender, product, your income, credit history, and the property. Your home may be repossessed if you do not keep up repayments on your mortgage. Giles Finance Ltd is authorised and regulated by the Financial Conduct Authority (FCA No. 726857).