£225,000 Mortgage: Monthly Payments
A £225,000 mortgage over 25 years at 5% costs about £1,315 a month. Here is how the payment changes with the rate and the length of the mortgage.
Monthly repayment on £225,000
| Interest rate | 15 years | 20 years | 25 years | 30 years | 35 years |
|---|---|---|---|---|---|
| 3% | £1,554 | £1,248 | £1,067 | £949 | £866 |
| 4% | £1,664 | £1,363 | £1,188 | £1,074 | £996 |
| 5% | £1,779 | £1,485 | £1,315 | £1,208 | £1,136 |
| 6% | £1,899 | £1,612 | £1,450 | £1,349 | £1,283 |
| 7% | £2,022 | £1,744 | £1,590 | £1,497 | £1,437 |
Repayment or interest-only?
| Interest rate | Interest-only a month | Repayment a month (25 years) |
|---|---|---|
| 3% | £563 | £1,067 |
| 4% | £750 | £1,188 |
| 5% | £938 | £1,315 |
| 6% | £1,125 | £1,450 |
| 7% | £1,313 | £1,590 |
Interest-only is cheaper each month but you still owe all £225,000 at the end, so you need a plan to repay it.
Total cost
At 5% over 25 years you pay £394,598 in total: the £225,000 borrowed plus about £169,598 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 £225,000 mortgage per month?
Over 25 years at 5% a £225,000 repayment mortgage costs about £1,315 a month. At 4% it is £1,188 and at 6% £1,450.
How much interest will I pay on a £225,000 mortgage?
At 5% over 25 years you would pay about £169,598 in interest on top of the £225,000 you borrow, so £394,598 in total.
What income do I need for a £225,000 mortgage?
Lenders typically offer 4 to 4.5 times income, so you would need an income of roughly £50,000 to £56,250, 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.