What is my Mortgage Term?

Discover the term over which your mortgage repayments will be spread in two easy steps
The length of time over which you repay your mortgage determines how much you can expect to pay back each month, and also how much you are eligible to borrow in the first place. The Mortgage Genie has designed this straightforward calculator to help you find out what your mortgage term will be. Simply enter in your birth date and expected retirement age and we’ll take care of the rest.

Please note that the minimum mortgage term is 5 years and the maximum is 40.

This information is a guide only and should not be relied on as a recommendation or advice that any particular mortgage is suitable for you.
All mortgages are subject to the applicant(s) meeting the eligibility criteria of lenders.
Make an appointment to receive mortgage advice suitable for your needs and circumstances.

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Term calculator

Enter the values above to calculate the time period in which you will be paying back your mortgage.

the mortgage genie has calculated terms available to you!
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The most suitable Mortgage Deals, whatever your needs

The most suitable Mortgage Deals, whatever your needs

Our team of trained mortgage advisors have more than 30 years of combined experience, meaning that whatever your mortgage dilemma, problem or needs, we’ll have the answer! Whether you’re looking for a mortgage to last you 7 or 37 years, we will endeavour to ensure that you have all of the right information at your fingertips to make the right decision.

Over the years we have cultivated a specially selected panel of the UK’s finest mortgage lenders, meaning that whatever you choose you’ll be getting a good deal and you’ll always know exactly where you stand.

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What will my Monthly Repayments be?

Check out our repayments calculator to find out exactly how much you can expect to pay back on your mortgage each month.

Repayments Calculator

How much can I borrow?

Our straightforward calculator lets you see how much you’re eligible to borrow for your mortgage, based on your and your partner’s income.

How much can I borrow?

Find out more about our Mortgage Services

From first time buyers to new builds, we provide mortgage services to suit every need.

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Important information

This calculator has been designed by the team at The Mortgage Genie to give you a better idea of how long you will make mortgage repayments for. Results, however, are subject to change and you must not take this calculator as a definitive answer as to your mortgage term. Before taking out a mortgage or reaching out to lenders, you should always check with an expert – give us a call on 033 33 44 72 for your personalised report.