£100,000 Mortgage: Monthly Payments
A £100,000 mortgage over 25 years at 5% costs about £585 a month. Here is how the payment changes with the rate and the length of the mortgage.
Monthly repayment on £100,000
| Interest rate | 15 years | 20 years | 25 years | 30 years | 35 years |
|---|---|---|---|---|---|
| 3% | £691 | £555 | £474 | £422 | £385 |
| 4% | £740 | £606 | £528 | £477 | £443 |
| 5% | £791 | £660 | £585 | £537 | £505 |
| 6% | £844 | £716 | £644 | £600 | £570 |
| 7% | £899 | £775 | £707 | £665 | £639 |
Repayment or interest-only?
| Interest rate | Interest-only a month | Repayment a month (25 years) |
|---|---|---|
| 3% | £250 | £474 |
| 4% | £333 | £528 |
| 5% | £417 | £585 |
| 6% | £500 | £644 |
| 7% | £583 | £707 |
Interest-only is cheaper each month but you still owe all £100,000 at the end, so you need a plan to repay it.
Total cost
At 5% over 25 years you pay £175,377 in total: the £100,000 borrowed plus about £75,377 of interest. Overpaying a little each month can shorten the term and cut the interest; try the mortgage overpayment calculator.
Nearby amounts
Figures assume a fixed rate for the whole term. Most people fix for two to five years and then move to a new deal, so payments can change. Fees and stamp duty are extra. Speak to a regulated mortgage adviser before you borrow.
Frequently asked questions
How much is a £100,000 mortgage per month?
Over 25 years at 5% a £100,000 repayment mortgage costs about £585 a month. At 4% it is £528 and at 6% £644.
How much interest will I pay on a £100,000 mortgage?
At 5% over 25 years you would pay about £75,377 in interest on top of the £100,000 you borrow, so £175,377 in total.
What income do I need for a £100,000 mortgage?
Lenders typically offer 4 to 4.5 times income, so you would need an income of roughly £22,222 to £25,000, depending on your outgoings.
What is the difference between repayment and interest-only?
With a repayment mortgage you pay off the loan as well as the interest, so you own the home outright at the end. With interest-only you pay just the interest each month and still owe the full amount at the end.
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.