This calculator does not constitute financial advice. It is based on a standard mortgage repayment formula based on the mortgage size and length and a fixed interest rate. It should be used as a guide only and does not represent the suitability, eligibility or availability of mortgage offers for users. For exact figures, users will need to approach an official mortgage lender.
Interest rates fluctuate based on the Bank of England’s base rate and market conditions.
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This would be a monthly total of {{var2}} pounds.\\\”,\\\”info_input_1\\\”:\\\”If you have an existing mortgage enter the outstanding balance left to pay. If not, enter the total you are looking to borrow.\\\”,\\\”info_input_2\\\”:\\\”If you have an existing mortgage enter the total number of years remaining. If not, enter the total number of years you are looking to borrow over.\\\”,\\\”info_radio_interest\\\”:\\\”For those with a mortgage enter the rate for your current fixed term. For those without a mortgage enter an interest rate from another source, such as a bank’s mortgage rate calculator.\\\”,\\\”info_radio_monthly\\\”:\\\”For those with a mortgage enter the amount you pay for per month. For those without a mortgage enter the amount you would be paying.\\\”,\\\”disclaimer_1\\\”:\\\”This calculator does not constitute financial advice. It is based on a standard mortgage repayment formula based on the mortgage size and length and a fixed interest rate. 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If not, enter the total you are looking to borrow.\\u003c/div>\\n \\u003c/div>\\n \\u003c/div>\\n \\n \\u003cdiv class=\\\”input__container \\\”>\\n \\u003cinput id=\\\”form_input_1\\\”\\n name=\\\”form_input_1\\\” \\n type=\\\”number\\\”\\n value=\\\”160000\\\”\\n min=\\\”0\\\” \\n max=\\\”10000000\\\”\\n data-default=\\\”160000\\\”\\n step=\\\”any\\\”\\n required=\\\”required\\\”\\n >\\n \\n \\u003cdiv class=\\\”input__btn-container\\\”>\\n \\u003cbutton class=\\\”input__btn-increment\\\” data-direction=\\\”increment\\\” data-key=\\\”form_input_1\\\” aria-label=\\\”increase £\\\”>\\u003c/button>\\n \\u003cbutton class=\\\”input__btn-decrement\\\” data-direction=\\\”decrement\\\” data-key=\\\”form_input_1\\\” aria-label=\\\”decrease £\\\”>\\u003c/button>\\n \\u003c/div>\\n \\u003cspan class=\\\”input__number-format\\\” aria-hidden=\\\”true\\\”>£\\u003c/span>\\n \\u003c/div>\\n \\u003cdiv class=\\\”label__container\\\”>\\n \\u003clabel class=\\\”label__input \\\” for=\\\”form_input_2\\\”>How long will you take to pay it back?\\u003c/label>\\n \\u003cbutton class=\\\”label__info-btn\\\” data-id=\\\”info-button-2\\\” aria-label=\\\”More info on repayment periods\\\”>\\u003c/button>\\n \\u003cdiv class=\\\”info-box info-button-2\\\”>\\n \\u003cdiv class=\\\”info-box__text info-button-2\\\”>If you have an existing mortgage enter the total number of years remaining. If not, enter the total number of years you are looking to borrow over.\\u003c/div>\\n \\u003c/div>\\n \\u003c/div>\\n \\n \\u003cdiv class=\\\”input__container \\\”>\\n \\u003cinput id=\\\”form_input_2\\\”\\n name=\\\”form_input_2\\\” \\n type=\\\”number\\\”\\n value=\\\”20\\\”\\n min=\\\”1\\\” \\n max=\\\”50\\\”\\n data-default=\\\”20\\\”\\n step=\\\”any\\\”\\n required=\\\”required\\\”\\n >\\n \\n \\u003cdiv class=\\\”input__btn-container\\\”>\\n \\u003cbutton class=\\\”input__btn-increment\\\” data-direction=\\\”increment\\\” data-key=\\\”form_input_2\\\” aria-label=\\\”increase years\\\”>\\u003c/button>\\n \\u003cbutton class=\\\”input__btn-decrement\\\” data-direction=\\\”decrement\\\” data-key=\\\”form_input_2\\\” aria-label=\\\”decrease years\\\”>\\u003c/button>\\n \\u003c/div>\\n \\u003cspan class=\\\”input__number-format\\\” aria-hidden=\\\”true\\\”>years\\u003c/span>\\n \\u003c/div>\\n \\u003cdiv class=\\\”radio__container\\\”>\\n \\u003cfieldset>\\n \\u003cdiv class=\\\”label__container\\\”>\\n \\u003clegend class=\\\”label__input\\\”>What is your current…\\u003c/legend>\\n \\u003cbutton class=\\\”label__info-btn\\\” data-id=\\\”info-button-3\\\” aria-label=\\\”More info on interest rates\\\”>\\u003c/button>\\n \\u003cdiv class=\\\”info-box info-button-3\\\”>\\n \\u003cdiv class=\\\”info-box__text\\\”>For those with a mortgage enter the rate for your current fixed term. For those without a mortgage enter an interest rate from another source, such as a bank’s mortgage rate calculator.\\u003c/div>\\n \\u003c/div>\\n \\u003c/div>\\n \\u003cdiv class=\\\”radio__group\\\”>\\n \\u003cdiv class=\\\”input-container\\\”>\\n \\u003cinput class=\\\”radio-input\\\” type=\\\”radio\\\” id=\\\”interest\\\” name=\\\”format-selector\\\” value=\\\”interest\\\” checked=\\\”true\\\”>\\n \\u003clabel for=\\\”interest\\\”>interest rate\\u003c/label>\\n \\u003c/div>\\n \\u003cdiv class=\\\”input-container\\\”>\\n \\u003cinput class=\\\”radio-input\\\” type=\\\”radio\\\” id=\\\”monthly\\\” name=\\\”format-selector\\\” value=\\\”monthly\\\”>\\n \\u003clabel for=\\\”monthly\\\”>monthly payment\\u003c/label>\\n \\u003c/div>\\n \\u003c/div>\\n \\u003c/fieldset>\\n \\n \\u003cdiv class=\\\”label__container\\\”>\\n \\u003clabel class=\\\”label__input off-screen\\\” for=\\\”form_radio_input_1\\\”>interest rate\\u003c/label>\\n \\u003c/div>\\n \\n \\u003cdiv class=\\\”input__container input__container–radio\\\”>\\n \\u003cinput id=\\\”form_radio_input_1\\\”\\n name=\\\”form_radio_input_1\\\” \\n type=\\\”number\\\”\\n value=\\\”2.00\\\”\\n min=\\\”0.50\\\” \\n max=\\\”10.50\\\”\\n data-default=\\\”2.00\\\”\\n step=\\\”any\\\”\\n required=\\\”required\\\”\\n >\\n \\n \\u003cdiv class=\\\”input__btn-container\\\”>\\n \\u003cbutton class=\\\”input__btn-increment\\\” data-direction=\\\”increment\\\” data-key=\\\”form_radio_input_1\\\” aria-label=\\\”increase %\\\”>\\u003c/button>\\n \\u003cbutton class=\\\”input__btn-decrement\\\” data-direction=\\\”decrement\\\” data-key=\\\”form_radio_input_1\\\” aria-label=\\\”decrease %\\\”>\\u003c/button>\\n \\u003c/div>\\n \\u003cspan class=\\\”input__number-format\\\” aria-hidden=\\\”true\\\”>%\\u003c/span>\\n \\u003c/div>\\n \\u003c/div>\\n \\u003cdiv class=\\\”label__container\\\”>\\n \\u003clabel class=\\\”label__input \\\” for=\\\”form_input_3\\\”>Choose an interest rate to compare with…\\u003c/label>\\n \\u003c/div>\\n \\n \\u003cdiv class=\\\”input__container \\\”>\\n \\u003cinput id=\\\”form_input_3\\\”\\n name=\\\”form_input_3\\\” \\n type=\\\”number\\\”\\n value=\\\”6.70\\\”\\n min=\\\”0.10\\\” \\n max=\\\”100.00\\\”\\n data-default=\\\”6.70\\\”\\n step=\\\”any\\\”\\n required=\\\”required\\\”\\n >\\n \\n \\u003cdiv class=\\\”input__btn-container\\\”>\\n \\u003cbutton class=\\\”input__btn-increment\\\” data-direction=\\\”increment\\\” data-key=\\\”form_input_3\\\” aria-label=\\\”increase %\\\”>\\u003c/button>\\n \\u003cbutton class=\\\”input__btn-decrement\\\” data-direction=\\\”decrement\\\” data-key=\\\”form_input_3\\\” aria-label=\\\”decrease %\\\”>\\u003c/button>\\n \\u003c/div>\\n \\u003cspan class=\\\”input__number-format\\\” aria-hidden=\\\”true\\\”>%\\u003c/span>\\n \\u003c/div>\\n \\u003cinput class=\\\”submit-btn\\\” type=\\\”submit\\\” value=\\\”Calculate\\\” />\\n \\u003c/form>\\n \\u003cdiv class=\\\”results__container–figures\\\” aria-hidden=\\\”true\\\”>\\n \\u003cdiv class=\\\”width-restrict\\\”>\\n \\u003cp class=\\\”results__para\\\”>At this rate, your payments could change by…\\u003c/p>\\n \\u003cdiv class=\\\”results__figures\\\”>\\n \\u003cp class=\\\”results__figure results__figure–monthly-increase\\\”>\\u003cspan class=\\\”figure\\\”>\\u003c/span>\\n monthly change\\u003c/p>\\n \\u003cp class=\\\”results__figure–to\\\”>to\\u003c/p>\\n \\u003cp class=\\\”results__figure results__figure–monthly-total\\\”>\\u003cspan class=\\\”figure\\\”>\\u003c/span>\\n monthly total\\u003c/p>\\n \\u003c/div>\\n \\u003c/div>\\n \\u003c/div>\\n \\u003cp class=\\\”results–off-screen off-screen\\\”>\\u003c/p>\\n \\u003cdiv class=\\\”results__container–repayment-estimate\\\”>\\n \\u003cp class=\\\”results__estimate width-restrict\\\”>\\u003c/p>\\n \\u003c/div>\\n \\u003cdiv class=\\\”results__container–error\\\”>\\n \\u003cp class=\\\”results__error\\\”>The information you provided on your monthly payments would not be sufficient to pay off your mortgage within the number of years given.\\u003c/p>\\n \\u003c/div>\\n \\u003cdiv class=\\\”disclaimer\\\”>\\n \\u003cp class=\\\”disclaimer-para\\\”>This calculator does not constitute financial advice. It is based on a standard mortgage repayment formula based on the mortgage size and length and a fixed interest rate. It should be used as a guide only and does not represent the suitability, eligibility or availability of mortgage offers for users. For exact figures, users will need to approach an official mortgage lender.\\u003c/p>\\n \\u003cp class=\\\”disclaimer-para\\\”>Interest rates fluctuate based on the Bank of England’s base rate and market conditions.\\u003c/p>\\n \\u003c/div>\\u003c/div>\\n \\u003c/div>\\n\\u003c/div>\\n\\u003cstyle id=\\\”responsive-embed-newsspec-34996-mortgage-calculator-app-inline-css\\\”>\\n @-moz-keyframes gel-spin{0%{-moz-transform:rotate(0deg)}100%{-moz-transform:rotate(360deg)}}@-webkit-keyframes gel-spin{0%{-webkit-transform:rotate(0deg)}100%{-webkit-transform:rotate(360deg)}}@-ms-keyframes gel-spin{0%{-ms-transform:rotate(0deg)}100%{-ms-transform:rotate(360deg)}}@keyframes gel-spin{0%{transform:rotate(0deg)}100%{transform:rotate(360deg)}}.bbc-news-visual-journalism-loading-spinner{display:block;margin:8px 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function initEmbed() {\\n require([‘https://news.files.bbci.co.uk/include/newsspec/34996-mortgage-calculator/assets/embed/js/embed-init.js??v=1.0.0.202307121520’], function (initFullFatApplication) {\\n initFullFatApplication(vjConfigObject[‘newsspec-34996-mortgage-calculator-app’]);\\n });\\n }\\n\\n if (typeof require === ‘undefined’) {\\n var headTag = document.getElementsByTagName(‘head’)[0],\\n requireTag = document.createElement(‘script’);\\n requireTag.type=”text/javascript”;\\n requireTag.src=”https://news.files.bbci.co.uk/include/vjassets/js/vendor/require-2.1.20b.min.js”;\\n requireTag.onload = initEmbed;\\n headTag.appendChild(requireTag);\\n } else {\\n initEmbed();\\n }\\n\\n }\\n else if (window.require) {\\n require([‘istats-1’], function (istats) {\\n istats.log(‘browser does not cut the mustard’, ‘newsspec-nonuser’);\\n });\\n } })();\\n\\u003c/script>\\n\”}},{\”type\”:\”text\”,\”model\”:{\”blocks\”:[{\”type\”:\”paragraph\”,\”model\”:{\”text\”:\”Nationwide said that someone earning an average income and purchasing the typical first-time buyer home with a 20% deposit would spend 38% of their take-home pay on their monthly mortgage payment. This is higher than the long-run average of 29%.\”,\”blocks\”:[{\”type\”:\”fragment\”,\”model\”:{\”text\”:\”Nationwide said that someone earning an average income and purchasing the typical first-time buyer home with a 20% deposit would spend 38% of their take-home pay on their monthly mortgage payment. This is higher than the long-run average of 29%.\”,\”attributes\”:[]}}]}}]}},{\”type\”:\”text\”,\”model\”:{\”blocks\”:[{\”type\”:\”paragraph\”,\”model\”:{\”text\”:\”Experian said some younger buyers were looking for a longer-term mortgage. This would reduce the monthly repayments, but mean the loan would take longer to pay off and be more expensive in the long-run.\”,\”blocks\”:[{\”type\”:\”fragment\”,\”model\”:{\”text\”:\”Experian said some younger buyers were looking for a longer-term mortgage. 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again\\\”,\\\”form_label_increase\\\”:\\\”increase\\\”,\\\”form_label_decrease\\\”:\\\”decrease\\\”,\\\”form_result__compare-results\\\”:\\\”At this rate, your payments could change by…\\\”,\\\”form_result__increase\\\”:\\\”monthly change\\\”,\\\”form_result__to\\\”:\\\”to\\\”,\\\”form_result__total\\\”:\\\”monthly total\\\”,\\\”form_result__monthly-estimate–repayment\\\”:\\\”We estimate your monthly repayments are £{{estimates-value}}.\\\”,\\\”form_result__monthly-estimate–interest\\\”:\\\”We estimate your interest rate is {{estimates-value}}%.\\\”,\\\”form_result__calculation-error\\\”:\\\”The information you provided on your monthly payments would not be sufficient to pay off your mortgage within the number of years given.\\\”,\\\”form_result__offscreen\\\”:\\\”At this rate, your monthly payments could change by {{var1}} pounds. This would be a monthly total of {{var2}} pounds.\\\”,\\\”info_input_1\\\”:\\\”If you have an existing mortgage enter the outstanding balance left to pay. If not, enter the total you are looking to borrow.\\\”,\\\”info_input_2\\\”:\\\”If you have an existing mortgage enter the total number of years remaining. If not, enter the total number of years you are looking to borrow over.\\\”,\\\”info_radio_interest\\\”:\\\”For those with a mortgage enter the rate for your current fixed term. For those without a mortgage enter an interest rate from another source, such as a bank’s mortgage rate calculator.\\\”,\\\”info_radio_monthly\\\”:\\\”For those with a mortgage enter the amount you pay for per month. For those without a mortgage enter the amount you would be paying.\\\”,\\\”disclaimer_1\\\”:\\\”This calculator does not constitute financial advice. It is based on a standard mortgage repayment formula based on the mortgage size and length and a fixed interest rate. It should be used as a guide only and does not represent the suitability, eligibility or availability of mortgage offers for users. For exact figures, users will need to approach an official mortgage lender.\\\”,\\\”disclaimer_2\\\”:\\\”Interest rates fluctuate based on the Bank of England’s base rate and market conditions.\\\”},\\\”outputs\\\”:[{\\\”wrapper\\\”:\\\”embed\\\”},{\\\”wrapper\\\”:\\\”core\\\”},{\\\”wrapper\\\”:\\\”envelope\\\”},{\\\”wrapper\\\”:\\\”amp\\\”},{\\\”wrapper\\\”:\\\”news-app\\\”},{\\\”wrapper\\\”:\\\”syndication\\\”,\\\”photoCaption\\\”:\\\”\\\”,\\\”photoURL\\\”:\\\”\\\”,\\\”hyperlinkCallToAction\\\”:\\\”Click here to see the BBC interactive\\\”},{\\\”wrapper\\\”:\\\”facebook\\\”,\\\”height\\\”:960,\\\”withMargins\\\”:\\\”yes\\\”},{\\\”wrapper\\\”:\\\”applenews\\\”,\\\”photoCaption\\\”:\\\”\\\”,\\\”photoURL\\\”:\\\”\\\”,\\\”hyperlinkCallToAction\\\”:\\\”Click or tap here to see interactive content\\\”}],\\\”usesAppJs\\\”:true,\\\”autoFixLintingErrors\\\”:false,\\\”polyfill\\\”:false,\\\”dynamicImports\\\”:true,\\\”dynamicPolyfills\\\”:[\\\”core-js/modules/es.promise\\\”,\\\”core-js/modules/es.array.iterator\\\”,\\\”core-js/modules/es.array.filter\\\”,\\\”core-js/modules/es.array.from\\\”,\\\”core-js/modules/es.array.map\\\”,\\\”core-js/modules/es.array.reduce\\\”,\\\”core-js/modules/es.object.assign\\\”,\\\”core-js/modules/es.object.entries\\\”,\\\”core-js/modules/es.object.from-entries\\\”,\\\”core-js/modules/es.object.keys\\\”,\\\”core-js/modules/es.object.values\\\”],\\\”reactProject\\\”:false,\\\”failFast\\\”:false,\\\”includePath\\\”:{\\\”responsive\\\”:true,\\\”newsapps\\\”:true,\\\”app-image\\\”:\\\”https://news.files.bbci.co.uk/include/vjassets/img/app-launcher.png\\\”,\\\”app-clickable\\\”:true,\\\”amp-clickable\\\”:true,\\\”amp-image-height\\\”:360,\\\”amp-image-width\\\”:640,\\\”amp-image\\\”:\\\”https://news.files.bbci.co.uk/include/vjassets/img/app-launcher.png\\\”,\\\”app-image-alt-text\\\”:\\\”Click or tap here to see interactive content\\\”},\\\”languages\\\”:[\\\”english\\\”],\\\”destinationSection\\\”:{\\\”english\\\”:\\\”uk\\\”},\\\”uncompressedAppBudget\\\”:\\\”(1024 * 1000) * 0.5\\\”,\\\”meta\\\”:{\\\”title\\\”:{\\\”english\\\”:\\\”\\\”},\\\”images\\\”:[{\\\”thumbnail\\\”:\\\”\\\”}],\\\”hasBeenDeployed\\\”:false,\\\”publication_date\\\”:null,\\\”publication_date_iso\\\”:null,\\\”last_modified\\\”:null,\\\”last_modified_iso\\\”:null,\\\”data_last_modified\\\”:null,\\\”data_last_modified_iso\\\”:null,\\\”keywords\\\”:[\\\”vj\\\”,\\\”visual-journalism\\\”,\\\”visualjournalism\\\”,\\\”visual journalism\\\”],\\\”locations\\\”:{\\\”regions\\\”:[]}},\\\”defaultPort\\\”:1031,\\\”usedPort\\\”:1031,\\\”generateForMozart\\\”:true,\\\”hasGithubRepo\\\”:true,\\\”bespokeOrbitCacheTTL\\\”:false,\\\”shouldAllowDeviceTracking\\\”:true,\\\”shadowDom\\\”:true,\\\”generator\\\”:\\\”basic-project\\\”,\\\”projectNamespace\\\”:\\\”newsspec-34996-mortgage-calculator\\\”,\\\”generatorVersion\\\”:\\\”10.1.4\\\”,\\\”projectName\\\”:\\\”newsspec-34996-mortgage-calculator\\\”,\\\”outputDir\\\”:\\\”include/newsspec/34996-mortgage-calculator\\\”,\\\”optimiseImagesOnEveryBuild\\\”:false,\\\”includes\\\”:{\\\”app\\\”:{\\\”uuid\\\”:\\\”8236f762-98ef-4d6c-8a5f-b612687454f8\\\”}},\\\”pathToWrapperAssets\\\”:\\\”https://news.files.bbci.co.uk/include/newsspec/34996-mortgage-calculator/assets/embed\\\”,\\\”pathToInclude\\\”:\\\”https://news.files.bbci.co.uk/include/newsspec/34996-mortgage-calculator/english/app/embed\\\”,\\\”pathToWrapperAssetsToInclude\\\”:\\\”https://news.files.bbci.co.uk/include/newsspec/34996-mortgage-calculator/english/app/embed\\\”};\\n\\u003c/script>\\n\\u003clink rel=\\\”stylesheet\\\” href=\\\”https://news.files.bbci.co.uk/include/newsspec/34996-mortgage-calculator/assets/embed/css/inline.css??v=1.0.0.202307121520\\\”>\\n\\u003cdiv id=\\\”responsive-embed-newsspec-34996-mortgage-calculator-app\\\” class=\\\”bbc-news-vj-embed-wrapper\\\”>\\n \\u003cdiv id=\\\”responsive-embed-newsspec-34996-mortgage-calculator-app-core-content\\\”>\\n \\u003cnoscript>\\n \\u003cp>A modern browser with JavaScript and a stable internet connection is required to view this interactive.\\u003c/p>\\n \\u003c/noscript>\\n \\u003cdiv class=\\\”mortgage-calc__content-container\\\” style=\\\”display:none;\\\”>\\n \\u003ch2 id=\\\”lookup-header\\\”>How much could my mortgage go up by?\\u003c/h2>\\n \\u003cform id=\\\”mortgage-calc\\\” class=\\\”width-restrict\\\” aria-label=\\\”How much could my mortgage go up by?\\\”>\\n \\u003cdiv class=\\\”label__container\\\”>\\n \\u003clabel class=\\\”label__input \\\” for=\\\”form_input_1\\\”>How much are you borrowing?\\u003c/label>\\n \\u003cbutton class=\\\”label__info-btn\\\” data-id=\\\”info-button-1\\\” aria-label=\\\”More info on borrowing\\\”>\\u003c/button>\\n \\u003cdiv class=\\\”info-box info-button-1\\\”>\\n \\u003cdiv class=\\\”info-box__text info-button-1\\\”>If you have an existing mortgage enter the outstanding balance left to pay. If not, enter the total you are looking to borrow.\\u003c/div>\\n \\u003c/div>\\n \\u003c/div>\\n \\n \\u003cdiv class=\\\”input__container \\\”>\\n \\u003cinput id=\\\”form_input_1\\\”\\n name=\\\”form_input_1\\\” \\n type=\\\”number\\\”\\n value=\\\”160000\\\”\\n min=\\\”0\\\” \\n max=\\\”10000000\\\”\\n data-default=\\\”160000\\\”\\n step=\\\”any\\\”\\n required=\\\”required\\\”\\n >\\n \\n \\u003cdiv class=\\\”input__btn-container\\\”>\\n \\u003cbutton class=\\\”input__btn-increment\\\” data-direction=\\\”increment\\\” data-key=\\\”form_input_1\\\” aria-label=\\\”increase £\\\”>\\u003c/button>\\n \\u003cbutton class=\\\”input__btn-decrement\\\” data-direction=\\\”decrement\\\” data-key=\\\”form_input_1\\\” aria-label=\\\”decrease £\\\”>\\u003c/button>\\n \\u003c/div>\\n \\u003cspan class=\\\”input__number-format\\\” aria-hidden=\\\”true\\\”>£\\u003c/span>\\n \\u003c/div>\\n \\u003cdiv class=\\\”label__container\\\”>\\n \\u003clabel class=\\\”label__input \\\” for=\\\”form_input_2\\\”>How long will you take to pay it back?\\u003c/label>\\n \\u003cbutton class=\\\”label__info-btn\\\” data-id=\\\”info-button-2\\\” aria-label=\\\”More info on repayment periods\\\”>\\u003c/button>\\n \\u003cdiv class=\\\”info-box info-button-2\\\”>\\n \\u003cdiv class=\\\”info-box__text info-button-2\\\”>If you have an existing mortgage enter the total number of years remaining. If not, enter the total number of years you are looking to borrow over.\\u003c/div>\\n \\u003c/div>\\n \\u003c/div>\\n \\n \\u003cdiv class=\\\”input__container \\\”>\\n \\u003cinput id=\\\”form_input_2\\\”\\n name=\\\”form_input_2\\\” \\n type=\\\”number\\\”\\n value=\\\”20\\\”\\n min=\\\”1\\\” \\n max=\\\”50\\\”\\n data-default=\\\”20\\\”\\n step=\\\”any\\\”\\n required=\\\”required\\\”\\n >\\n \\n \\u003cdiv class=\\\”input__btn-container\\\”>\\n \\u003cbutton class=\\\”input__btn-increment\\\” data-direction=\\\”increment\\\” data-key=\\\”form_input_2\\\” aria-label=\\\”increase years\\\”>\\u003c/button>\\n \\u003cbutton class=\\\”input__btn-decrement\\\” data-direction=\\\”decrement\\\” data-key=\\\”form_input_2\\\” aria-label=\\\”decrease years\\\”>\\u003c/button>\\n \\u003c/div>\\n \\u003cspan class=\\\”input__number-format\\\” aria-hidden=\\\”true\\\”>years\\u003c/span>\\n \\u003c/div>\\n \\u003cdiv class=\\\”radio__container\\\”>\\n \\u003cfieldset>\\n \\u003cdiv class=\\\”label__container\\\”>\\n \\u003clegend class=\\\”label__input\\\”>What is your current…\\u003c/legend>\\n \\u003cbutton class=\\\”label__info-btn\\\” data-id=\\\”info-button-3\\\” aria-label=\\\”More info on interest rates\\\”>\\u003c/button>\\n \\u003cdiv class=\\\”info-box info-button-3\\\”>\\n \\u003cdiv class=\\\”info-box__text\\\”>For those with a mortgage enter the rate for your current fixed term. For those without a mortgage enter an interest rate from another source, such as a bank’s mortgage rate calculator.\\u003c/div>\\n \\u003c/div>\\n \\u003c/div>\\n \\u003cdiv class=\\\”radio__group\\\”>\\n \\u003cdiv class=\\\”input-container\\\”>\\n \\u003cinput class=\\\”radio-input\\\” type=\\\”radio\\\” id=\\\”interest\\\” name=\\\”format-selector\\\” value=\\\”interest\\\” checked=\\\”true\\\”>\\n \\u003clabel for=\\\”interest\\\”>interest rate\\u003c/label>\\n \\u003c/div>\\n \\u003cdiv class=\\\”input-container\\\”>\\n \\u003cinput class=\\\”radio-input\\\” type=\\\”radio\\\” id=\\\”monthly\\\” name=\\\”format-selector\\\” value=\\\”monthly\\\”>\\n \\u003clabel for=\\\”monthly\\\”>monthly payment\\u003c/label>\\n \\u003c/div>\\n \\u003c/div>\\n \\u003c/fieldset>\\n \\n \\u003cdiv class=\\\”label__container\\\”>\\n \\u003clabel class=\\\”label__input off-screen\\\” for=\\\”form_radio_input_1\\\”>interest rate\\u003c/label>\\n \\u003c/div>\\n \\n \\u003cdiv class=\\\”input__container input__container–radio\\\”>\\n \\u003cinput id=\\\”form_radio_input_1\\\”\\n name=\\\”form_radio_input_1\\\” \\n type=\\\”number\\\”\\n value=\\\”2.00\\\”\\n min=\\\”0.50\\\” \\n max=\\\”10.50\\\”\\n data-default=\\\”2.00\\\”\\n step=\\\”any\\\”\\n required=\\\”required\\\”\\n >\\n \\n \\u003cdiv class=\\\”input__btn-container\\\”>\\n \\u003cbutton class=\\\”input__btn-increment\\\” data-direction=\\\”increment\\\” data-key=\\\”form_radio_input_1\\\” aria-label=\\\”increase %\\\”>\\u003c/button>\\n \\u003cbutton class=\\\”input__btn-decrement\\\” data-direction=\\\”decrement\\\” data-key=\\\”form_radio_input_1\\\” aria-label=\\\”decrease %\\\”>\\u003c/button>\\n \\u003c/div>\\n \\u003cspan class=\\\”input__number-format\\\” aria-hidden=\\\”true\\\”>%\\u003c/span>\\n \\u003c/div>\\n \\u003c/div>\\n \\u003cdiv class=\\\”label__container\\\”>\\n \\u003clabel class=\\\”label__input \\\” for=\\\”form_input_3\\\”>Choose an interest rate to compare with…\\u003c/label>\\n \\u003c/div>\\n \\n \\u003cdiv class=\\\”input__container \\\”>\\n \\u003cinput id=\\\”form_input_3\\\”\\n name=\\\”form_input_3\\\” \\n type=\\\”number\\\”\\n value=\\\”6.70\\\”\\n min=\\\”0.10\\\” \\n max=\\\”100.00\\\”\\n data-default=\\\”6.70\\\”\\n step=\\\”any\\\”\\n required=\\\”required\\\”\\n >\\n \\n \\u003cdiv class=\\\”input__btn-container\\\”>\\n \\u003cbutton class=\\\”input__btn-increment\\\” data-direction=\\\”increment\\\” data-key=\\\”form_input_3\\\” aria-label=\\\”increase %\\\”>\\u003c/button>\\n \\u003cbutton class=\\\”input__btn-decrement\\\” data-direction=\\\”decrement\\\” data-key=\\\”form_input_3\\\” aria-label=\\\”decrease %\\\”>\\u003c/button>\\n \\u003c/div>\\n \\u003cspan class=\\\”input__number-format\\\” aria-hidden=\\\”true\\\”>%\\u003c/span>\\n \\u003c/div>\\n \\u003cinput class=\\\”submit-btn\\\” type=\\\”submit\\\” value=\\\”Calculate\\\” />\\n \\u003c/form>\\n \\u003cdiv class=\\\”results__container–figures\\\” aria-hidden=\\\”true\\\”>\\n \\u003cdiv class=\\\”width-restrict\\\”>\\n \\u003cp class=\\\”results__para\\\”>At this rate, your payments could change by…\\u003c/p>\\n \\u003cdiv class=\\\”results__figures\\\”>\\n \\u003cp class=\\\”results__figure results__figure–monthly-increase\\\”>\\u003cspan class=\\\”figure\\\”>\\u003c/span>\\n monthly change\\u003c/p>\\n \\u003cp class=\\\”results__figure–to\\\”>to\\u003c/p>\\n \\u003cp class=\\\”results__figure results__figure–monthly-total\\\”>\\u003cspan class=\\\”figure\\\”>\\u003c/span>\\n monthly total\\u003c/p>\\n \\u003c/div>\\n \\u003c/div>\\n \\u003c/div>\\n \\u003cp class=\\\”results–off-screen off-screen\\\”>\\u003c/p>\\n \\u003cdiv class=\\\”results__container–repayment-estimate\\\”>\\n \\u003cp class=\\\”results__estimate width-restrict\\\”>\\u003c/p>\\n \\u003c/div>\\n \\u003cdiv class=\\\”results__container–error\\\”>\\n \\u003cp class=\\\”results__error\\\”>The information you provided on your monthly payments would not be sufficient to pay off your mortgage within the number of years given.\\u003c/p>\\n \\u003c/div>\\n \\u003cdiv class=\\\”disclaimer\\\”>\\n \\u003cp class=\\\”disclaimer-para\\\”>This calculator does not constitute financial advice. It is based on a standard mortgage repayment formula based on the mortgage size and length and a fixed interest rate. It should be used as a guide only and does not represent the suitability, eligibility or availability of mortgage offers for users. 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If not, enter the total you are looking to borrow.\\u003c/div>\\n \\u003c/div>\\n \\u003c/div>\\n \\n \\u003cdiv class=\\\”input__container \\\”>\\n \\u003cinput id=\\\”form_input_1\\\”\\n name=\\\”form_input_1\\\” \\n type=\\\”number\\\”\\n value=\\\”160000\\\”\\n min=\\\”0\\\” \\n max=\\\”10000000\\\”\\n data-default=\\\”160000\\\”\\n step=\\\”any\\\”\\n required=\\\”required\\\”\\n >\\n \\n \\u003cdiv class=\\\”input__btn-container\\\”>\\n \\u003cbutton class=\\\”input__btn-increment\\\” data-direction=\\\”increment\\\” data-key=\\\”form_input_1\\\” aria-label=\\\”increase £\\\”>\\u003c/button>\\n \\u003cbutton class=\\\”input__btn-decrement\\\” data-direction=\\\”decrement\\\” data-key=\\\”form_input_1\\\” aria-label=\\\”decrease £\\\”>\\u003c/button>\\n \\u003c/div>\\n \\u003cspan class=\\\”input__number-format\\\” aria-hidden=\\\”true\\\”>£\\u003c/span>\\n \\u003c/div>\\n \\u003cdiv class=\\\”label__container\\\”>\\n \\u003clabel class=\\\”label__input \\\” for=\\\”form_input_2\\\”>How long will you take to pay it back?\\u003c/label>\\n \\u003cbutton class=\\\”label__info-btn\\\” data-id=\\\”info-button-2\\\” aria-label=\\\”More info on repayment periods\\\”>\\u003c/button>\\n \\u003cdiv class=\\\”info-box info-button-2\\\”>\\n \\u003cdiv class=\\\”info-box__text info-button-2\\\”>If you have an existing mortgage enter the total number of years remaining. If not, enter the total number of years you are looking to borrow over.\\u003c/div>\\n \\u003c/div>\\n \\u003c/div>\\n \\n \\u003cdiv class=\\\”input__container \\\”>\\n \\u003cinput id=\\\”form_input_2\\\”\\n name=\\\”form_input_2\\\” \\n type=\\\”number\\\”\\n value=\\\”20\\\”\\n min=\\\”1\\\” \\n max=\\\”50\\\”\\n data-default=\\\”20\\\”\\n step=\\\”any\\\”\\n required=\\\”required\\\”\\n >\\n \\n \\u003cdiv class=\\\”input__btn-container\\\”>\\n \\u003cbutton class=\\\”input__btn-increment\\\” data-direction=\\\”increment\\\” data-key=\\\”form_input_2\\\” aria-label=\\\”increase years\\\”>\\u003c/button>\\n \\u003cbutton class=\\\”input__btn-decrement\\\” data-direction=\\\”decrement\\\” data-key=\\\”form_input_2\\\” aria-label=\\\”decrease years\\\”>\\u003c/button>\\n \\u003c/div>\\n \\u003cspan class=\\\”input__number-format\\\” aria-hidden=\\\”true\\\”>years\\u003c/span>\\n \\u003c/div>\\n \\u003cdiv class=\\\”radio__container\\\”>\\n \\u003cfieldset>\\n \\u003cdiv class=\\\”label__container\\\”>\\n \\u003clegend class=\\\”label__input\\\”>What is your current…\\u003c/legend>\\n \\u003cbutton class=\\\”label__info-btn\\\” data-id=\\\”info-button-3\\\” aria-label=\\\”More info on interest rates\\\”>\\u003c/button>\\n \\u003cdiv class=\\\”info-box info-button-3\\\”>\\n \\u003cdiv class=\\\”info-box__text\\\”>For those with a mortgage enter the rate for your current fixed term. For those without a mortgage enter an interest rate from another source, such as a bank’s mortgage rate calculator.\\u003c/div>\\n \\u003c/div>\\n \\u003c/div>\\n \\u003cdiv class=\\\”radio__group\\\”>\\n \\u003cdiv class=\\\”input-container\\\”>\\n \\u003cinput class=\\\”radio-input\\\” type=\\\”radio\\\” id=\\\”interest\\\” name=\\\”format-selector\\\” value=\\\”interest\\\” checked=\\\”true\\\”>\\n \\u003clabel for=\\\”interest\\\”>interest rate\\u003c/label>\\n \\u003c/div>\\n \\u003cdiv class=\\\”input-container\\\”>\\n \\u003cinput class=\\\”radio-input\\\” type=\\\”radio\\\” id=\\\”monthly\\\” name=\\\”format-selector\\\” value=\\\”monthly\\\”>\\n \\u003clabel for=\\\”monthly\\\”>monthly payment\\u003c/label>\\n \\u003c/div>\\n \\u003c/div>\\n \\u003c/fieldset>\\n \\n \\u003cdiv class=\\\”label__container\\\”>\\n \\u003clabel class=\\\”label__input off-screen\\\” for=\\\”form_radio_input_1\\\”>interest rate\\u003c/label>\\n \\u003c/div>\\n \\n \\u003cdiv class=\\\”input__container input__container–radio\\\”>\\n \\u003cinput id=\\\”form_radio_input_1\\\”\\n name=\\\”form_radio_input_1\\\” \\n type=\\\”number\\\”\\n value=\\\”2.00\\\”\\n min=\\\”0.50\\\” \\n max=\\\”10.50\\\”\\n data-default=\\\”2.00\\\”\\n step=\\\”any\\\”\\n required=\\\”required\\\”\\n >\\n \\n \\u003cdiv class=\\\”input__btn-container\\\”>\\n \\u003cbutton class=\\\”input__btn-increment\\\” data-direction=\\\”increment\\\” data-key=\\\”form_radio_input_1\\\” aria-label=\\\”increase %\\\”>\\u003c/button>\\n \\u003cbutton class=\\\”input__btn-decrement\\\” data-direction=\\\”decrement\\\” data-key=\\\”form_radio_input_1\\\” aria-label=\\\”decrease %\\\”>\\u003c/button>\\n \\u003c/div>\\n \\u003cspan class=\\\”input__number-format\\\” aria-hidden=\\\”true\\\”>%\\u003c/span>\\n \\u003c/div>\\n \\u003c/div>\\n \\u003cdiv class=\\\”label__container\\\”>\\n \\u003clabel class=\\\”label__input \\\” for=\\\”form_input_3\\\”>Choose an interest rate to compare with…\\u003c/label>\\n \\u003c/div>\\n \\n \\u003cdiv class=\\\”input__container \\\”>\\n \\u003cinput id=\\\”form_input_3\\\”\\n name=\\\”form_input_3\\\” \\n type=\\\”number\\\”\\n value=\\\”6.70\\\”\\n min=\\\”0.10\\\” \\n max=\\\”100.00\\\”\\n data-default=\\\”6.70\\\”\\n step=\\\”any\\\”\\n required=\\\”required\\\”\\n >\\n \\n \\u003cdiv class=\\\”input__btn-container\\\”>\\n \\u003cbutton class=\\\”input__btn-increment\\\” data-direction=\\\”increment\\\” data-key=\\\”form_input_3\\\” aria-label=\\\”increase %\\\”>\\u003c/button>\\n \\u003cbutton class=\\\”input__btn-decrement\\\” data-direction=\\\”decrement\\\” data-key=\\\”form_input_3\\\” aria-label=\\\”decrease %\\\”>\\u003c/button>\\n \\u003c/div>\\n \\u003cspan class=\\\”input__number-format\\\” aria-hidden=\\\”true\\\”>%\\u003c/span>\\n \\u003c/div>\\n \\u003cinput class=\\\”submit-btn\\\” type=\\\”submit\\\” value=\\\”Calculate\\\” />\\n \\u003c/form>\\n \\u003cdiv class=\\\”results__container–figures\\\” aria-hidden=\\\”true\\\”>\\n \\u003cdiv class=\\\”width-restrict\\\”>\\n \\u003cp class=\\\”results__para\\\”>At this rate, your payments could change by…\\u003c/p>\\n \\u003cdiv class=\\\”results__figures\\\”>\\n \\u003cp class=\\\”results__figure results__figure–monthly-increase\\\”>\\u003cspan class=\\\”figure\\\”>\\u003c/span>\\n monthly change\\u003c/p>\\n \\u003cp class=\\\”results__figure–to\\\”>to\\u003c/p>\\n \\u003cp class=\\\”results__figure results__figure–monthly-total\\\”>\\u003cspan class=\\\”figure\\\”>\\u003c/span>\\n monthly total\\u003c/p>\\n \\u003c/div>\\n \\u003c/div>\\n \\u003c/div>\\n \\u003cp class=\\\”results–off-screen off-screen\\\”>\\u003c/p>\\n \\u003cdiv class=\\\”results__container–repayment-estimate\\\”>\\n \\u003cp class=\\\”results__estimate width-restrict\\\”>\\u003c/p>\\n \\u003c/div>\\n \\u003cdiv class=\\\”results__container–error\\\”>\\n \\u003cp class=\\\”results__error\\\”>The information you provided on your monthly payments would not be sufficient to pay off your mortgage within the number of years given.\\u003c/p>\\n \\u003c/div>\\n \\u003cdiv class=\\\”disclaimer\\\”>\\n \\u003cp class=\\\”disclaimer-para\\\”>This calculator does not constitute financial advice. It is based on a standard mortgage repayment formula based on the mortgage size and length and a fixed interest rate. It should be used as a guide only and does not represent the suitability, eligibility or availability of mortgage offers for users. For exact figures, users will need to approach an official mortgage lender.\\u003c/p>\\n \\u003cp class=\\\”disclaimer-para\\\”>Interest rates fluctuate based on the Bank of England’s base rate and market conditions.\\u003c/p>\\n \\u003c/div>\\u003c/div>\\n \\u003c/div>\\n\\u003c/div>\\n\\u003cstyle id=\\\”responsive-embed-newsspec-34996-mortgage-calculator-app-inline-css\\\”>\\n @-moz-keyframes gel-spin{0%{-moz-transform:rotate(0deg)}100%{-moz-transform:rotate(360deg)}}@-webkit-keyframes gel-spin{0%{-webkit-transform:rotate(0deg)}100%{-webkit-transform:rotate(360deg)}}@-ms-keyframes gel-spin{0%{-ms-transform:rotate(0deg)}100%{-ms-transform:rotate(360deg)}}@keyframes gel-spin{0%{transform:rotate(0deg)}100%{transform:rotate(360deg)}}.bbc-news-visual-journalism-loading-spinner{display:block;margin:8px 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someone earning an average income and purchasing the typical first-time buyer home with a 20% deposit would spend 38% of their take-home pay on their monthly mortgage payment. This is higher than the long-run average of 29%.\”,\”blocks\”:[{\”type\”:\”fragment\”,\”model\”:{\”text\”:\”Nationwide said that someone earning an average income and purchasing the typical first-time buyer home with a 20% deposit would spend 38% of their take-home pay on their monthly mortgage payment. This is higher than the long-run average of 29%.\”,\”attributes\”:[]}}]}}]}},{\”type\”:\”text\”,\”model\”:{\”blocks\”:[{\”type\”:\”paragraph\”,\”model\”:{\”text\”:\”Experian said some younger buyers were looking for a longer-term mortgage. This would reduce the monthly repayments, but mean the loan would take longer to pay off and be more expensive in the long-run.\”,\”blocks\”:[{\”type\”:\”fragment\”,\”model\”:{\”text\”:\”Experian said some younger buyers were looking for a longer-term mortgage. 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