Common loan styles
- Capital-repayment fixed, tracker and variable-rate mortgages
- Interest-only mortgages with a separately demonstrated repayment strategy
- Shared Ownership purchases combining a mortgage on a share with rent on the remainder
UK mortgage calculator
Calculate mortgage repayments in the UK
Estimate monthly mortgage repayments for repayment, tracker and interest-only products. Enter your deposit, deal period, lender rate, council tax, insurance and service charges.
Mortgage calculator UK · mortgage repayment calculator · house deposit calculator · interest-only mortgage calculator
Canadian mortgage assumptions & sources
Fixed-rate calculations use semiannual compounding. Variable-rate calculations use the compounding convention you select. Renewal term and full amortization are separate; the rate after renewal is a scenario you enter. Accelerated biweekly means half the monthly payment every two weeks.
The purchase-price down-payment minimum is 5% up to CA$500,000, then 10% on the portion above that, or 20% for a price of CA$1.5 million or more. This is not an approval test. Enter a quoted insurance premium; taxes on premiums and transfer taxes belong in upfront costs.
Sources checked September 14, 2026: FCAC mortgage calculator, FCAC down payments, Scotiabank compounding convention.
German mortgage assumptions & sources
The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.
The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.
Source checked September 15, 2026: BaFin mortgage guidance.
French mortgage assumptions & sources
The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.
The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.
Source checked September 15, 2026: Service-Public.fr mortgage guidance.
Spanish mortgage assumptions & sources
The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.
The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.
Source checked September 15, 2026: Banco de España mortgage guidance.
Italian mortgage assumptions & sources
The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.
The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.
Source checked September 15, 2026: Banca d’Italia mortgage guidance.
Dutch mortgage assumptions & sources
The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.
The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.
Source checked September 15, 2026: AFM mortgage guidance.
Swiss mortgage assumptions & sources
The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.
The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.
Source checked September 15, 2026: ch.ch mortgage guidance.
Irish mortgage assumptions & sources
The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.
The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.
Source checked September 15, 2026: Competition and Consumer Protection Commission mortgage guidance.
Japanese mortgage assumptions & sources
The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.
The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.
Source checked September 15, 2026: Japan Housing Finance Agency mortgage guidance.
South Korean mortgage assumptions & sources
The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.
The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.
Source checked September 15, 2026: Financial Supervisory Service mortgage guidance.
Chinese mortgage assumptions & sources
The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.
The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.
Source checked September 15, 2026: People’s Bank of China mortgage guidance.
Philippine mortgage assumptions & sources
The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.
The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.
Source checked September 15, 2026: Bangko Sentral ng Pilipinas mortgage guidance.
Singapore mortgage assumptions & sources
The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.
The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.
Source checked September 15, 2026: MoneySense mortgage guidance.
UAE mortgage assumptions & sources
The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.
The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.
Source checked September 15, 2026: Central Bank of the UAE mortgage guidance.
New Zealand mortgage assumptions & sources
The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.
The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.
Source checked September 15, 2026: Sorted mortgage guidance.
Mexican mortgage assumptions & sources
The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.
The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.
Source checked September 15, 2026: CONDUSEF mortgage guidance.
Brazilian mortgage assumptions & sources
The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.
The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.
Source checked September 15, 2026: Banco Central do Brasil mortgage guidance.
South African mortgage assumptions & sources
The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.
The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.
Source checked September 15, 2026: National Credit Regulator mortgage guidance.
Hong Kong mortgage assumptions & sources
The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.
The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.
Source checked September 15, 2026: Hong Kong Monetary Authority mortgage guidance.
Taiwan mortgage assumptions & sources
The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.
The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.
Source checked September 15, 2026: Central Bank of Taiwan mortgage guidance.
Indonesian mortgage assumptions & sources
The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.
The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.
Source checked September 15, 2026: Bank Indonesia mortgage guidance.
Malaysian mortgage assumptions & sources
The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.
The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.
Source checked September 15, 2026: Bank Negara Malaysia mortgage guidance.
Thai mortgage assumptions & sources
The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.
The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.
Source checked September 15, 2026: Bank of Thailand mortgage guidance.
Vietnamese mortgage assumptions & sources
The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.
The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.
Source checked September 15, 2026: State Bank of Vietnam mortgage guidance.
Saudi Arabian mortgage assumptions & sources
The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.
The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.
Source checked September 15, 2026: Saudi Central Bank mortgage guidance.
Israeli mortgage assumptions & sources
The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.
The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.
Source checked September 15, 2026: Bank of Israel mortgage guidance.
Swedish mortgage assumptions & sources
The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.
The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.
Source checked September 15, 2026: Finansinspektionen mortgage guidance.
Norwegian mortgage assumptions & sources
The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.
The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.
Source checked September 15, 2026: Norwegian Ministry of Finance mortgage guidance.
Danish mortgage assumptions & sources
The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.
The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.
Source checked September 15, 2026: Danish Financial Supervisory Authority mortgage guidance.
Belgian mortgage assumptions & sources
The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.
The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.
Source checked September 15, 2026: National Bank of Belgium mortgage guidance.
Austrian mortgage assumptions & sources
The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.
The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.
Source checked September 15, 2026: Austrian Financial Market Authority mortgage guidance.
Portuguese mortgage assumptions & sources
The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.
The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.
Source checked September 15, 2026: Banco de Portugal mortgage guidance.
Polish mortgage assumptions & sources
The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.
The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.
Source checked September 15, 2026: Polish Financial Supervision Authority mortgage guidance.
Turkish mortgage assumptions & sources
The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.
The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.
Source checked September 15, 2026: BDDK mortgage guidance.
Chilean mortgage assumptions & sources
The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.
The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.
Source checked September 15, 2026: CMF Chile mortgage guidance.
Colombian mortgage assumptions & sources
The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.
The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.
Source checked September 15, 2026: Financial Superintendence of Colombia mortgage guidance.
U.K. mortgage assumptions & sources
Repayment and tracker products load the 5% deposit basis supported by the permanent 91–95% LTV Mortgage Guarantee Scheme; lender participation and eligibility still apply. Interest-only loads a clearly labeled 25% planning amount because lenders set their own LTV and repayment-strategy requirements.
Enter the fixed-deal or rate-reset period separately from the full mortgage term. Interest-only leaves a lump sum to repay at the end. Council tax or domestic rates, insurance, service charges, purchase tax and legal fees stay as separate quoted inputs.
Sources checked September 14, 2026: GOV.UK Mortgage Guarantee Scheme and MoneyHelper mortgage options.
Australian home-loan assumptions & sources
Principal-and-interest products load the 5% minimum for eligible buyers under the Australian Government 5% Deposit Scheme. Interest-only loads a 20% planning amount and is not presented as scheme eligibility. Lenders can require more, and LMI may apply outside the scheme.
Interest is estimated from actual elapsed days with a 365-day divisor. A constant 100% offset reduces the interest-bearing balance on eligible variable or interest-only scenarios. Use quotes for LMI, council rates, stamp duty and fees.
Sources checked September 14, 2026: Housing Australia Home Guarantee Scheme, ASIC MoneySmart offset accounts.
Indian home-loan assumptions & sources
The deposit starts at 10%, 20% or 25% using RBI LTV bands and the entered purchase price as a planning proxy. The lender’s sanctioned amount and valuation determine the actual band; stamp duty and registration are outside the financed property value.
EMI is estimated on a monthly reducing balance. Floating-rate mode models one rate change and can compare changing EMI with changing remaining tenure. State taxes, fees and insurance stay as entered quotes.
Sources checked September 14, 2026: RBI housing-loan LTV ratios and floating-rate EMI reset rules.
United Kingdom home financing
Loan styles, buyer support and calculator limits
Borrowers commonly take a repayment mortgage with a two- to five-year fixed deal, then remortgage or move to a reversion rate. Tracker and interest-only structures also exist. Purchase taxes differ across England, Scotland, Wales and Northern Ireland.
Government or structured support
- Lifetime ISA provides a 25% government bonus on eligible first-home savings, within contribution and property limits
- Shared Ownership and First Homes apply to qualifying buyers and properties
- The permanent Mortgage Guarantee Scheme supports participating 91–95% LTV lending; it is a lender guarantee, not buyer cash
What to verify locally
- Model the deal period separately from the full mortgage term
- Keep stamp duty / LBTT / LTT and service charges outside the loan payment
- Interest-only must retain the principal as a final balance
Primary references: MoneyHelper mortgage types · GOV.UK affordable home schemes · GOV.UK Lifetime ISA