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Interest rate: the single biggest lever — a 1% change on a large loan moves the monthly figure noticeably.
Term: a longer term lowers the monthly payment but increases total interest.
Deposit: a bigger deposit means a smaller loan and lower payments.

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Written by the QuickCalc Editorial Team. Last reviewed: August 2026 against HMRC rates for the 2026/27 tax year.

QuickCalc is an independent calculator site. Figures are estimates for guidance only and are not professional tax, financial or legal advice. Always verify with the official source (HMRC) or a qualified adviser before filing or making decisions.