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Mortgage calculator

Want to know how much a mortgage will cost you every month? We can help!

  • Repayment calculator
  • Repayment schedule
  • Overpayment calculator

Mortgage Repayment Calculator

Tell us how much you want to borrow and our mortgage/remortgage calculator will give you an estimate of your monthly payments.

Our calculator is for illustrative purposes only and exact payment terms should be agreed with a lender before taking out a mortgage.

Monthly payments:

Total repaid:

Cost of credit:

Mortgage repayment schedule

Asumming your interest rate remains the same this is how your debt will reduce and equity increase.

Mortgage overpayment calculator

You may be able to reduce your mortgage term by increasing your monthly payments or by making a lump sum payment – check with your lender first.
Please ensure your monthly payment is higher than the original amount


By increasing your monthly payments you could clear your mortgage earlier than expected

By paying a lump sum you could clear your mortgage earlier than expected

Total repaid:

Cost of credit:

Total savings:

Get a deal on a mortgage with Ocean

To proceed with a mortgage quote, use the form on the right to enter how much you want to borrow, the value of the property and a few other details, and we'll give you a call back to tell you how much the best deals from our panel of lenders would cost each month.

It can be difficult to compare mortgages by looking at interest rates and arrangement fees alone, so getting a realistic quote that shows how much you'll actually pay each month can help make your decision a whole lot easier.

Get a quote

Don't take our word for it

Feefo logo

Feefo reviews are gathered anonymously from genuine customers. Take a look at some of the comments from people Ocean have helped.

Excellent service Tom was really professional and kept in constant contact with me and sorted everything really quickly
Faultless, kept updated on the progress at all times. Given my advisors contact details so always dealing with the same person. All costs clearly explained. Reasonable fees and great mortgage deal. Very happy and would use again.
I would recommend them to others. Service was excellent Easy to do business with. Proffessional updates regularly
Approval system was fair and quick. Recommend it
I rarely complete these feedback forms however on this occasion I just had to mention how well Ocean Finance dealt with our home loan especially Becky she was absolutely fantastic thanks guys too rate service one very happy customer
Clear and concise information provision. Always friendly and helpful. Found exactly the right product for me.

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