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My real take-home: tax, NI, student loan and pension

Repo-linked (EBLR): your rate rises by the same 0.25% at the next reset date, unless your lender holds back some of it. Resets happen at least once every three months, so expect the change within about three months of 7 October.
MCLR-linked: your lender's own cost of funds drives the rate and it resets on its own date, often every six or twelve months. The effect arrives later and may be smaller. Our guide to [[blog:eblr-vs-mclr-home-loan|EBLR and MCLR]] explains the difference.
Fixed rate: nothing changes until the fixed period ends.

Put it all in one place. See what you keep each month after tax, National Insurance, a student loan and a workplace pension.

2026/27 rates, England, Wales and Northern Ireland, tax code 1257L. Estimate.

Common questions

Does a pension reduce my student loan?

Salary sacrifice lowers the pay your student loan is worked out on, so it reduces it slightly.