Mortgage lifetime cost with fees calculator UK
Add separately paid fees to the full repayment cost of a constant-rate mortgage. Check the formula, worked example and limits before using your own figures.
Enter your figures
Total modelled cash paid
Inputs changed. Select Calculate result to update your estimate.
Use your actual figures. Any prefilled price, fee, rate or return is an editable illustration, not a current product quote. Assumes one rate for the entire term and fees paid upfront, not added to the loan. Real mortgage deals often change rate before the full term ends.
How the mortgage lifetime cost with fees calculator uk works
Total cash paid = scheduled payment × months + separate fees.
Data basis: mathematical formula using your inputs. Example prices and rates are illustrative, not current market quotes.
Read about data coverage and updates
Worked example: mortgage lifetime cost with fees
This illustration uses the calculator’s example inputs. It is not a quote or a recommended financial decision.
- Mortgage amount (£)
- 200,000
- Nominal annual interest (%)
- 4.5
- Years
- 25
- Fees paid separately (£)
- 1,500
Total modelled cash paid: £334,999.49
Total cash paid = scheduled payment × months + separate fees.
Mortgage lifetime cost with fees: questions answered
What does the mortgage lifetime cost with fees calculation include?
Total cash paid = scheduled payment × months + separate fees. Use your actual figures. Any prefilled price, fee, rate or return is an editable illustration, not a current product quote. Assumes one rate for the entire term and fees paid upfront, not added to the loan. Real mortgage deals often change rate before the full term ends.
Using your result
Example inputs are a starting point. Replace them with your figures and select Calculate result. Results are rounded for display; calculations use unrounded values.
Explore all 205 UK calculators