Mortgage Term Calculator

The duration of your mortgage term affects your monthly payments and borrowing capacity. Use our calculator by entering your birth date and expected retirement age in order to find out what your mortgage term will be.

Change Your Term Calculator

If you’re thinking of changing the length of your mortgage term, then you can also use our calculator to see how this would affect your monthly repayments.

Term Calculator...

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 the specific lender. You should make an appointment to receive mortgage advice which will based on your needs and circumstances.

Please note

  • Mortgage terms range from a minimum of 5 to a maximum of 40 years.

  • The information provided by our mortgage term calculator serves as a guide only, and therefore should not be considered a specific recommendation.

  • Eligibility for all mortgages is contingent upon meeting lender criteria.

For more personalised mortgage advice tailored to your circumstances, schedule an appointment with one of our expert mortgage brokers by calling 01915809890 today.

Company Information

The Mortgage Genie Limited is Registered in England and Wales with Company Number 9803176. The Mortgage Genie Limited is an Appointed Representative of PRIMIS Mortgage Network, a trading name of First Complete Ltd. First Complete Ltd is authorised and regulated by the Financial Conduct Authority. Most Buy-to-Let Mortgages are not regulated by the Financial Conduct Authority. The guidance contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.


Depending on the complexity of your mortgage there may be a fee for our mortgage advice and arrangement service, which will be discussed and agreed before you make a mortgage application. A typical fee is £293 and will never be more than 1% of the mortgage amount.