Mortgage Monthly Payments by Amount
What a mortgage from £50,000 to £750,000 costs each month. Pick an amount for payments at every rate and term.
| Mortgage | At 4% over 25 years | At 5% over 25 years | At 6% over 25 years |
|---|---|---|---|
| £50,000 | £264 | £292 | £322 |
| £75,000 | £396 | £438 | £483 |
| £100,000 | £528 | £585 | £644 |
| £125,000 | £660 | £731 | £805 |
| £150,000 | £792 | £877 | £966 |
| £175,000 | £924 | £1,023 | £1,128 |
| £200,000 | £1,056 | £1,169 | £1,289 |
| £225,000 | £1,188 | £1,315 | £1,450 |
| £250,000 | £1,320 | £1,461 | £1,611 |
| £275,000 | £1,452 | £1,608 | £1,772 |
| £300,000 | £1,584 | £1,754 | £1,933 |
| £350,000 | £1,847 | £2,046 | £2,255 |
| £400,000 | £2,111 | £2,338 | £2,577 |
| £450,000 | £2,375 | £2,631 | £2,899 |
| £500,000 | £2,639 | £2,923 | £3,222 |
| £600,000 | £3,167 | £3,508 | £3,866 |
| £750,000 | £3,959 | £4,384 | £4,832 |
What changes the payment
Three things set your monthly mortgage payment: how much you borrow, the interest rate, and how long you take to repay. A lower rate or a longer term both reduce the monthly cost, but a longer term means paying interest for more years. Even half a percent on the rate makes a noticeable difference on a larger mortgage, so it is worth comparing deals, including fees, and checking when your fixed rate ends.
Repayment and interest-only
Most home buyers choose a repayment mortgage, where each payment reduces the debt. Interest-only mortgages are cheaper each month but leave the full debt at the end, so they are mainly used for buy-to-let or with a clear plan to repay.
Figures are for illustration. Use the mortgage calculator for your own figures, and see how much you could borrow on your salary.
Figures are for the 2026/27 tax year from official sources and are estimates for guidance only, not financial or legal advice. Printed from ukanswers.co.uk.