UK Mortgage Repayment Tables
Start with the part of your mortgage plan you already know. You might have a loan amount in mind, a rate from a lender or a target repayment date. These three views organise monthly repayment comparisons around that starting point, so you can explore the other two inputs.
For a calculation using your own figures, use our UK mortgage calculator. Enter the loan amount after your deposit, or your outstanding mortgage balance if you are reviewing an existing loan.
Choose how to compare repayments
Choose Mortgage term to compare borrowing over a set number of years, Interest rate to explore a quoted or hypothetical rate, or Loan amount to investigate a particular mortgage balance. Changing the view changes the arrangement of the figures, not the calculation method.
Compare by mortgage term
Use this view when you know how many years you want to borrow for. Within each term, compare loan amounts against annual interest rates to find the estimated monthly payment.
A longer term normally reduces the monthly payment but increases total interest when the loan amount and positive interest rate stay the same. Compare the same amount and rate across terms to see the difference. Click below mortgage term for more details:
10-year mortgage: monthly repayments
| Loan amount | 3.00% | 3.25% | 3.50% | 3.75% | 4.00% | 4.25% | 4.50% | 4.75% | 5.00% | 5.25% | 5.50% | 5.75% | 6.00% | 6.25% | 6.50% | 6.75% | 7.00% | 7.25% | 7.50% | 7.75% | 8.00% |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| £100,000 | £965.61 | £977.19 | £988.86 | £1,000.61 | £1,012.45 | £1,024.38 | £1,036.38 | £1,048.48 | £1,060.66 | £1,072.92 | £1,085.26 | £1,097.69 | £1,110.21 | £1,122.80 | £1,135.48 | £1,148.24 | £1,161.08 | £1,174.01 | £1,187.02 | £1,200.11 | £1,213.28 |
| £150,000 | £1,448.41 | £1,465.79 | £1,483.29 | £1,500.92 | £1,518.68 | £1,536.56 | £1,554.58 | £1,572.72 | £1,590.98 | £1,609.38 | £1,627.89 | £1,646.54 | £1,665.31 | £1,684.20 | £1,703.22 | £1,722.36 | £1,741.63 | £1,761.02 | £1,780.53 | £1,800.16 | £1,819.91 |
| £200,000 | £1,931.21 | £1,954.38 | £1,977.72 | £2,001.22 | £2,024.90 | £2,048.75 | £2,072.77 | £2,096.95 | £2,121.31 | £2,145.83 | £2,170.53 | £2,195.38 | £2,220.41 | £2,245.60 | £2,270.96 | £2,296.48 | £2,322.17 | £2,348.02 | £2,374.04 | £2,400.21 | £2,426.55 |
| £250,000 | £2,414.02 | £2,442.98 | £2,472.15 | £2,501.53 | £2,531.13 | £2,560.94 | £2,590.96 | £2,621.19 | £2,651.64 | £2,682.29 | £2,713.16 | £2,744.23 | £2,775.51 | £2,807.00 | £2,838.70 | £2,870.60 | £2,902.71 | £2,935.03 | £2,967.54 | £3,000.27 | £3,033.19 |
| £300,000 | £2,896.82 | £2,931.57 | £2,966.58 | £3,001.84 | £3,037.35 | £3,073.13 | £3,109.15 | £3,145.43 | £3,181.97 | £3,218.75 | £3,255.79 | £3,293.08 | £3,330.62 | £3,368.40 | £3,406.44 | £3,444.72 | £3,483.25 | £3,522.03 | £3,561.05 | £3,600.32 | £3,639.83 |
| £350,000 | £3,379.63 | £3,420.17 | £3,461.01 | £3,502.14 | £3,543.58 | £3,585.31 | £3,627.34 | £3,669.67 | £3,712.29 | £3,755.21 | £3,798.42 | £3,841.92 | £3,885.72 | £3,929.80 | £3,974.18 | £4,018.84 | £4,063.80 | £4,109.04 | £4,154.56 | £4,200.37 | £4,246.47 |
| £400,000 | £3,862.43 | £3,908.76 | £3,955.43 | £4,002.45 | £4,049.81 | £4,097.50 | £4,145.54 | £4,193.91 | £4,242.62 | £4,291.67 | £4,341.05 | £4,390.77 | £4,440.82 | £4,491.20 | £4,541.92 | £4,592.96 | £4,644.34 | £4,696.04 | £4,748.07 | £4,800.43 | £4,853.10 |
| £500,000 | £4,828.04 | £4,885.95 | £4,944.29 | £5,003.06 | £5,062.26 | £5,121.88 | £5,181.92 | £5,242.39 | £5,303.28 | £5,364.59 | £5,426.31 | £5,488.46 | £5,551.03 | £5,614.00 | £5,677.40 | £5,741.21 | £5,805.42 | £5,870.05 | £5,935.09 | £6,000.53 | £6,066.38 |
Rates are illustrative, remain unchanged for the calculation, and exclude fees and overpayments
15-year mortgage: monthly repayments
| Loan amount | 3.00% | 3.25% | 3.50% | 3.75% | 4.00% | 4.25% | 4.50% | 4.75% | 5.00% | 5.25% | 5.50% | 5.75% | 6.00% | 6.25% | 6.50% | 6.75% | 7.00% | 7.25% | 7.50% | 7.75% | 8.00% |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| £100,000 | £690.58 | £702.67 | £714.88 | £727.22 | £739.69 | £752.28 | £764.99 | £777.83 | £790.79 | £803.88 | £817.08 | £830.41 | £843.86 | £857.42 | £871.11 | £884.91 | £898.83 | £912.86 | £927.01 | £941.28 | £955.65 |
| £150,000 | £1,035.87 | £1,054.00 | £1,072.32 | £1,090.83 | £1,109.53 | £1,128.42 | £1,147.49 | £1,166.75 | £1,186.19 | £1,205.82 | £1,225.63 | £1,245.62 | £1,265.79 | £1,286.13 | £1,306.66 | £1,327.36 | £1,348.24 | £1,369.29 | £1,390.52 | £1,411.91 | £1,433.48 |
| £200,000 | £1,381.16 | £1,405.34 | £1,429.77 | £1,454.44 | £1,479.38 | £1,504.56 | £1,529.99 | £1,555.66 | £1,581.59 | £1,607.76 | £1,634.17 | £1,660.82 | £1,687.71 | £1,714.85 | £1,742.21 | £1,769.82 | £1,797.66 | £1,825.73 | £1,854.02 | £1,882.55 | £1,911.30 |
| £250,000 | £1,726.45 | £1,756.67 | £1,787.21 | £1,818.06 | £1,849.22 | £1,880.70 | £1,912.48 | £1,944.58 | £1,976.98 | £2,009.69 | £2,042.71 | £2,076.03 | £2,109.64 | £2,143.56 | £2,177.77 | £2,212.27 | £2,247.07 | £2,282.16 | £2,317.53 | £2,353.19 | £2,389.13 |
| £300,000 | £2,071.74 | £2,108.01 | £2,144.65 | £2,181.67 | £2,219.06 | £2,256.84 | £2,294.98 | £2,333.50 | £2,372.38 | £2,411.63 | £2,451.25 | £2,491.23 | £2,531.57 | £2,572.27 | £2,613.32 | £2,654.73 | £2,696.48 | £2,738.59 | £2,781.04 | £2,823.83 | £2,866.96 |
| £350,000 | £2,417.04 | £2,459.34 | £2,502.09 | £2,545.28 | £2,588.91 | £2,632.97 | £2,677.48 | £2,722.41 | £2,767.78 | £2,813.57 | £2,859.79 | £2,906.44 | £2,953.50 | £3,000.98 | £3,048.88 | £3,097.18 | £3,145.90 | £3,195.02 | £3,244.54 | £3,294.47 | £3,344.78 |
| £400,000 | £2,762.33 | £2,810.68 | £2,859.53 | £2,908.89 | £2,958.75 | £3,009.11 | £3,059.97 | £3,111.33 | £3,163.17 | £3,215.51 | £3,268.33 | £3,321.64 | £3,375.43 | £3,429.69 | £3,484.43 | £3,539.64 | £3,595.31 | £3,651.45 | £3,708.05 | £3,765.10 | £3,822.61 |
| £500,000 | £3,452.91 | £3,513.34 | £3,574.41 | £3,636.11 | £3,698.44 | £3,761.39 | £3,824.97 | £3,889.16 | £3,953.97 | £4,019.39 | £4,085.42 | £4,152.05 | £4,219.28 | £4,287.11 | £4,355.54 | £4,424.55 | £4,494.14 | £4,564.31 | £4,635.06 | £4,706.38 | £4,778.26 |
Rates are illustrative, remain unchanged for the calculation, and exclude fees and overpayments
20-year mortgage: monthly repayments
| Loan amount | 3.00% | 3.25% | 3.50% | 3.75% | 4.00% | 4.25% | 4.50% | 4.75% | 5.00% | 5.25% | 5.50% | 5.75% | 6.00% | 6.25% | 6.50% | 6.75% | 7.00% | 7.25% | 7.50% | 7.75% | 8.00% |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| £100,000 | £554.60 | £567.20 | £579.96 | £592.89 | £605.98 | £619.23 | £632.65 | £646.22 | £659.96 | £673.84 | £687.89 | £702.08 | £716.43 | £730.93 | £745.57 | £760.36 | £775.30 | £790.38 | £805.59 | £820.95 | £836.44 |
| £150,000 | £831.90 | £850.79 | £869.94 | £889.33 | £908.97 | £928.85 | £948.97 | £969.34 | £989.93 | £1,010.77 | £1,031.83 | £1,053.13 | £1,074.65 | £1,096.39 | £1,118.36 | £1,140.55 | £1,162.95 | £1,185.56 | £1,208.39 | £1,231.42 | £1,254.66 |
| £200,000 | £1,109.20 | £1,134.39 | £1,159.92 | £1,185.78 | £1,211.96 | £1,238.47 | £1,265.30 | £1,292.45 | £1,319.91 | £1,347.69 | £1,375.77 | £1,404.17 | £1,432.86 | £1,461.86 | £1,491.15 | £1,520.73 | £1,550.60 | £1,580.75 | £1,611.19 | £1,641.90 | £1,672.88 |
| £250,000 | £1,386.49 | £1,417.99 | £1,449.90 | £1,482.22 | £1,514.95 | £1,548.09 | £1,581.62 | £1,615.56 | £1,649.89 | £1,684.61 | £1,719.72 | £1,755.21 | £1,791.08 | £1,827.32 | £1,863.93 | £1,900.91 | £1,938.25 | £1,975.94 | £2,013.98 | £2,052.37 | £2,091.10 |
| £300,000 | £1,663.79 | £1,701.59 | £1,739.88 | £1,778.66 | £1,817.94 | £1,857.70 | £1,897.95 | £1,938.67 | £1,979.87 | £2,021.53 | £2,063.66 | £2,106.25 | £2,149.29 | £2,192.78 | £2,236.72 | £2,281.09 | £2,325.90 | £2,371.13 | £2,416.78 | £2,462.85 | £2,509.32 |
| £350,000 | £1,941.09 | £1,985.19 | £2,029.86 | £2,075.11 | £2,120.93 | £2,167.32 | £2,214.27 | £2,261.78 | £2,309.85 | £2,358.45 | £2,407.61 | £2,457.29 | £2,507.51 | £2,558.25 | £2,609.51 | £2,661.27 | £2,713.55 | £2,766.32 | £2,819.58 | £2,873.32 | £2,927.54 |
| £400,000 | £2,218.39 | £2,268.78 | £2,319.84 | £2,371.55 | £2,423.92 | £2,476.94 | £2,530.60 | £2,584.89 | £2,639.82 | £2,695.38 | £2,751.55 | £2,808.33 | £2,865.72 | £2,923.71 | £2,982.29 | £3,041.46 | £3,101.20 | £3,161.50 | £3,222.37 | £3,283.79 | £3,345.76 |
| £500,000 | £2,772.99 | £2,835.98 | £2,899.80 | £2,964.44 | £3,029.90 | £3,096.17 | £3,163.25 | £3,231.12 | £3,299.78 | £3,369.22 | £3,439.44 | £3,510.42 | £3,582.16 | £3,654.64 | £3,727.87 | £3,801.82 | £3,876.49 | £3,951.88 | £4,027.97 | £4,104.74 | £4,182.20 |
Rates are illustrative, remain unchanged for the calculation, and exclude fees and overpayments
25-year mortgage: monthly repayments
| Loan amount | 3.00% | 3.25% | 3.50% | 3.75% | 4.00% | 4.25% | 4.50% | 4.75% | 5.00% | 5.25% | 5.50% | 5.75% | 6.00% | 6.25% | 6.50% | 6.75% | 7.00% | 7.25% | 7.50% | 7.75% | 8.00% |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| £100,000 | £474.21 | £487.32 | £500.62 | £514.13 | £527.84 | £541.74 | £555.83 | £570.12 | £584.59 | £599.25 | £614.09 | £629.11 | £644.30 | £659.67 | £675.21 | £690.91 | £706.78 | £722.81 | £738.99 | £755.33 | £771.82 |
| £150,000 | £711.32 | £730.97 | £750.94 | £771.20 | £791.76 | £812.61 | £833.75 | £855.18 | £876.89 | £898.87 | £921.13 | £943.66 | £966.45 | £989.50 | £1,012.81 | £1,036.37 | £1,060.17 | £1,084.21 | £1,108.49 | £1,132.99 | £1,157.72 |
| £200,000 | £948.42 | £974.63 | £1,001.25 | £1,028.26 | £1,055.67 | £1,083.48 | £1,111.66 | £1,140.23 | £1,169.18 | £1,198.50 | £1,228.17 | £1,258.21 | £1,288.60 | £1,319.34 | £1,350.41 | £1,381.82 | £1,413.56 | £1,445.61 | £1,477.98 | £1,510.66 | £1,543.63 |
| £250,000 | £1,185.53 | £1,218.29 | £1,251.56 | £1,285.33 | £1,319.59 | £1,354.35 | £1,389.58 | £1,425.29 | £1,461.48 | £1,498.12 | £1,535.22 | £1,572.77 | £1,610.75 | £1,649.17 | £1,688.02 | £1,727.28 | £1,766.95 | £1,807.02 | £1,847.48 | £1,888.32 | £1,929.54 |
| £300,000 | £1,422.63 | £1,461.95 | £1,501.87 | £1,542.39 | £1,583.51 | £1,625.21 | £1,667.50 | £1,710.35 | £1,753.77 | £1,797.74 | £1,842.26 | £1,887.32 | £1,932.90 | £1,979.01 | £2,025.62 | £2,072.73 | £2,120.34 | £2,168.42 | £2,216.97 | £2,265.99 | £2,315.45 |
| £350,000 | £1,659.74 | £1,705.61 | £1,752.18 | £1,799.46 | £1,847.43 | £1,896.08 | £1,945.41 | £1,995.41 | £2,046.07 | £2,097.37 | £2,149.31 | £2,201.87 | £2,255.05 | £2,308.84 | £2,363.23 | £2,418.19 | £2,473.73 | £2,529.82 | £2,586.47 | £2,643.65 | £2,701.36 |
| £400,000 | £1,896.85 | £1,949.26 | £2,002.49 | £2,056.52 | £2,111.35 | £2,166.95 | £2,223.33 | £2,280.47 | £2,338.36 | £2,396.99 | £2,456.35 | £2,516.43 | £2,577.21 | £2,638.68 | £2,700.83 | £2,763.65 | £2,827.12 | £2,891.23 | £2,955.96 | £3,021.32 | £3,087.26 |
| £500,000 | £2,371.06 | £2,436.58 | £2,503.12 | £2,570.66 | £2,639.18 | £2,708.69 | £2,779.16 | £2,850.59 | £2,922.95 | £2,996.24 | £3,070.44 | £3,145.53 | £3,221.51 | £3,298.35 | £3,376.04 | £3,454.56 | £3,533.90 | £3,614.03 | £3,694.96 | £3,776.64 | £3,859.08 |
Rates are illustrative, remain unchanged for the calculation, and exclude fees and overpayments
30-year mortgage: monthly repayments
| Loan amount | 3.00% | 3.25% | 3.50% | 3.75% | 4.00% | 4.25% | 4.50% | 4.75% | 5.00% | 5.25% | 5.50% | 5.75% | 6.00% | 6.25% | 6.50% | 6.75% | 7.00% | 7.25% | 7.50% | 7.75% | 8.00% |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| £100,000 | £421.60 | £435.21 | £449.04 | £463.12 | £477.42 | £491.94 | £506.69 | £521.65 | £536.82 | £552.20 | £567.79 | £583.57 | £599.55 | £615.72 | £632.07 | £648.60 | £665.30 | £682.18 | £699.21 | £716.41 | £733.76 |
| £150,000 | £632.41 | £652.81 | £673.57 | £694.67 | £716.12 | £737.91 | £760.03 | £782.47 | £805.23 | £828.31 | £851.68 | £875.36 | £899.33 | £923.58 | £948.10 | £972.90 | £997.95 | £1,023.26 | £1,048.82 | £1,074.62 | £1,100.65 |
| £200,000 | £843.21 | £870.41 | £898.09 | £926.23 | £954.83 | £983.88 | £1,013.37 | £1,043.29 | £1,073.64 | £1,104.41 | £1,135.58 | £1,167.15 | £1,199.10 | £1,231.43 | £1,264.14 | £1,297.20 | £1,330.60 | £1,364.35 | £1,398.43 | £1,432.82 | £1,467.53 |
| £250,000 | £1,054.01 | £1,088.02 | £1,122.61 | £1,157.79 | £1,193.54 | £1,229.85 | £1,266.71 | £1,304.12 | £1,342.05 | £1,380.51 | £1,419.47 | £1,458.93 | £1,498.88 | £1,539.29 | £1,580.17 | £1,621.50 | £1,663.26 | £1,705.44 | £1,748.04 | £1,791.03 | £1,834.41 |
| £300,000 | £1,264.81 | £1,305.62 | £1,347.13 | £1,389.35 | £1,432.25 | £1,475.82 | £1,520.06 | £1,564.94 | £1,610.46 | £1,656.61 | £1,703.37 | £1,750.72 | £1,798.65 | £1,847.15 | £1,896.20 | £1,945.79 | £1,995.91 | £2,046.53 | £2,097.64 | £2,149.24 | £2,201.29 |
| £350,000 | £1,475.61 | £1,523.22 | £1,571.66 | £1,620.90 | £1,670.95 | £1,721.79 | £1,773.40 | £1,825.77 | £1,878.88 | £1,932.71 | £1,987.26 | £2,042.50 | £2,098.43 | £2,155.01 | £2,212.24 | £2,270.09 | £2,328.56 | £2,387.62 | £2,447.25 | £2,507.44 | £2,568.18 |
| £400,000 | £1,686.42 | £1,740.83 | £1,796.18 | £1,852.46 | £1,909.66 | £1,967.76 | £2,026.74 | £2,086.59 | £2,147.29 | £2,208.81 | £2,271.16 | £2,334.29 | £2,398.20 | £2,462.87 | £2,528.27 | £2,594.39 | £2,661.21 | £2,728.71 | £2,796.86 | £2,865.65 | £2,935.06 |
| £500,000 | £2,108.02 | £2,176.03 | £2,245.22 | £2,315.58 | £2,387.08 | £2,459.70 | £2,533.43 | £2,608.24 | £2,684.11 | £2,761.02 | £2,838.95 | £2,917.86 | £2,997.75 | £3,078.59 | £3,160.34 | £3,242.99 | £3,326.51 | £3,410.88 | £3,496.07 | £3,582.06 | £3,668.82 |
Rates are illustrative, remain unchanged for the calculation, and exclude fees and overpayments
35-year mortgage: monthly repayments
| Loan amount | 3.00% | 3.25% | 3.50% | 3.75% | 4.00% | 4.25% | 4.50% | 4.75% | 5.00% | 5.25% | 5.50% | 5.75% | 6.00% | 6.25% | 6.50% | 6.75% | 7.00% | 7.25% | 7.50% | 7.75% | 8.00% |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| £100,000 | £384.85 | £398.94 | £413.29 | £427.91 | £442.77 | £457.89 | £473.26 | £488.86 | £504.69 | £520.74 | £537.02 | £553.50 | £570.19 | £587.08 | £604.15 | £621.42 | £638.86 | £656.47 | £674.24 | £692.18 | £710.26 |
| £150,000 | £577.28 | £598.41 | £619.94 | £641.86 | £664.16 | £686.84 | £709.89 | £733.29 | £757.03 | £781.11 | £805.52 | £830.25 | £855.28 | £880.61 | £906.23 | £932.12 | £958.28 | £984.70 | £1,011.36 | £1,038.26 | £1,065.39 |
| £200,000 | £769.70 | £797.87 | £826.58 | £855.81 | £885.55 | £915.79 | £946.51 | £977.71 | £1,009.38 | £1,041.49 | £1,074.03 | £1,107.00 | £1,140.38 | £1,174.15 | £1,208.31 | £1,242.83 | £1,277.71 | £1,312.93 | £1,348.49 | £1,384.35 | £1,420.52 |
| £250,000 | £962.13 | £997.34 | £1,033.23 | £1,069.76 | £1,106.94 | £1,144.73 | £1,183.14 | £1,222.14 | £1,261.72 | £1,301.86 | £1,342.54 | £1,383.75 | £1,425.47 | £1,467.69 | £1,510.39 | £1,553.54 | £1,597.14 | £1,641.17 | £1,685.61 | £1,730.44 | £1,775.65 |
| £300,000 | £1,154.55 | £1,196.81 | £1,239.87 | £1,283.72 | £1,328.32 | £1,373.68 | £1,419.77 | £1,466.57 | £1,514.06 | £1,562.23 | £1,611.05 | £1,660.50 | £1,710.57 | £1,761.23 | £1,812.46 | £1,864.25 | £1,916.57 | £1,969.40 | £2,022.73 | £2,076.53 | £2,130.78 |
| £350,000 | £1,346.98 | £1,396.28 | £1,446.52 | £1,497.67 | £1,549.71 | £1,602.63 | £1,656.40 | £1,711.00 | £1,766.41 | £1,822.60 | £1,879.56 | £1,937.25 | £1,995.66 | £2,054.77 | £2,114.54 | £2,174.96 | £2,236.00 | £2,297.64 | £2,359.85 | £2,422.62 | £2,485.91 |
| £400,000 | £1,539.40 | £1,595.75 | £1,653.16 | £1,711.62 | £1,771.10 | £1,831.58 | £1,893.03 | £1,955.43 | £2,018.75 | £2,082.97 | £2,148.07 | £2,214.00 | £2,280.76 | £2,348.31 | £2,416.62 | £2,485.67 | £2,555.43 | £2,625.87 | £2,696.97 | £2,768.70 | £2,841.04 |
| £500,000 | £1,924.25 | £1,994.69 | £2,066.45 | £2,139.53 | £2,213.87 | £2,289.47 | £2,366.28 | £2,444.28 | £2,523.44 | £2,603.72 | £2,685.08 | £2,767.50 | £2,850.95 | £2,935.38 | £3,020.77 | £3,107.08 | £3,194.28 | £3,282.34 | £3,371.21 | £3,460.88 | £3,551.30 |
Rates are illustrative, remain unchanged for the calculation, and exclude fees and overpayments
40-year mortgage: monthly repayments
| Loan amount | 3.00% | 3.25% | 3.50% | 3.75% | 4.00% | 4.25% | 4.50% | 4.75% | 5.00% | 5.25% | 5.50% | 5.75% | 6.00% | 6.25% | 6.50% | 6.75% | 7.00% | 7.25% | 7.50% | 7.75% | 8.00% |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| £100,000 | £357.98 | £372.54 | £387.39 | £402.53 | £417.94 | £433.62 | £449.56 | £465.76 | £482.20 | £498.87 | £515.77 | £532.89 | £550.21 | £567.74 | £585.46 | £603.36 | £621.43 | £639.67 | £658.07 | £676.62 | £695.31 |
| £150,000 | £536.98 | £558.81 | £581.09 | £603.79 | £626.91 | £650.43 | £674.34 | £698.64 | £723.29 | £748.31 | £773.66 | £799.33 | £825.32 | £851.61 | £878.19 | £905.04 | £932.15 | £959.51 | £987.11 | £1,014.93 | £1,042.97 |
| £200,000 | £715.97 | £745.08 | £774.78 | £805.05 | £835.88 | £867.24 | £899.13 | £931.52 | £964.39 | £997.74 | £1,031.54 | £1,065.78 | £1,100.43 | £1,135.48 | £1,170.91 | £1,206.71 | £1,242.86 | £1,279.34 | £1,316.14 | £1,353.24 | £1,390.62 |
| £250,000 | £894.96 | £931.35 | £968.48 | £1,006.32 | £1,044.85 | £1,084.05 | £1,123.91 | £1,164.39 | £1,205.49 | £1,247.18 | £1,289.43 | £1,332.22 | £1,375.53 | £1,419.35 | £1,463.64 | £1,508.39 | £1,553.58 | £1,599.18 | £1,645.18 | £1,691.55 | £1,738.28 |
| £300,000 | £1,073.95 | £1,117.62 | £1,162.17 | £1,207.58 | £1,253.82 | £1,300.86 | £1,348.69 | £1,397.27 | £1,446.59 | £1,496.61 | £1,547.31 | £1,598.66 | £1,650.64 | £1,703.22 | £1,756.37 | £1,810.07 | £1,864.29 | £1,919.02 | £1,974.21 | £2,029.86 | £2,085.94 |
| £350,000 | £1,252.95 | £1,303.89 | £1,355.87 | £1,408.84 | £1,462.78 | £1,517.67 | £1,573.47 | £1,630.15 | £1,687.69 | £1,746.05 | £1,805.20 | £1,865.11 | £1,925.75 | £1,987.09 | £2,049.10 | £2,111.75 | £2,175.01 | £2,238.85 | £2,303.25 | £2,368.17 | £2,433.59 |
| £400,000 | £1,431.94 | £1,490.16 | £1,549.56 | £1,610.10 | £1,671.75 | £1,734.48 | £1,798.25 | £1,863.03 | £1,928.79 | £1,995.48 | £2,063.08 | £2,131.55 | £2,200.85 | £2,270.96 | £2,341.83 | £2,413.43 | £2,485.73 | £2,558.69 | £2,632.28 | £2,706.48 | £2,781.25 |
| £500,000 | £1,789.92 | £1,862.71 | £1,936.95 | £2,012.63 | £2,089.69 | £2,168.10 | £2,247.81 | £2,328.79 | £2,410.98 | £2,494.35 | £2,578.85 | £2,664.44 | £2,751.07 | £2,838.70 | £2,927.28 | £3,016.78 | £3,107.16 | £3,198.36 | £3,290.35 | £3,383.10 | £3,476.56 |
Rates are illustrative, remain unchanged for the calculation, and exclude fees and overpayments
Compare by interest rate
Use this view when you have an interest rate to test. For each annual rate, compare the monthly payments for different loan amounts and repayment terms.
Use the mortgage interest rate rather than APRC, which is a broader cost-comparison measure that includes certain charges. A move from 4% to 5% is an increase of one percentage point; it does not mean your payment rises by only 1%.
3.00% mortgage rate: monthly repayments
| Loan amount | 10-year | 15-year | 20-year | 25-year | 30-year | 35-year | 40-year |
|---|---|---|---|---|---|---|---|
| £100,000 | £965.61 | £690.58 | £554.60 | £474.21 | £421.60 | £384.85 | £357.98 |
| £150,000 | £1,448.41 | £1,035.87 | £831.90 | £711.32 | £632.41 | £577.28 | £536.98 |
| £200,000 | £1,931.21 | £1,381.16 | £1,109.20 | £948.42 | £843.21 | £769.70 | £715.97 |
| £250,000 | £2,414.02 | £1,726.45 | £1,386.49 | £1,185.53 | £1,054.01 | £962.13 | £894.96 |
| £300,000 | £2,896.82 | £2,071.74 | £1,663.79 | £1,422.63 | £1,264.81 | £1,154.55 | £1,073.95 |
| £350,000 | £3,379.63 | £2,417.04 | £1,941.09 | £1,659.74 | £1,475.61 | £1,346.98 | £1,252.95 |
| £400,000 | £3,862.43 | £2,762.33 | £2,218.39 | £1,896.85 | £1,686.42 | £1,539.40 | £1,431.94 |
| £500,000 | £4,828.04 | £3,452.91 | £2,772.99 | £2,371.06 | £2,108.02 | £1,924.25 | £1,789.92 |
Rates are illustrative, remain unchanged for the calculation, and exclude fees and overpayments
3.25% mortgage rate: monthly repayments
| Loan amount | 10-year | 15-year | 20-year | 25-year | 30-year | 35-year | 40-year |
|---|---|---|---|---|---|---|---|
| £100,000 | £977.19 | £702.67 | £567.20 | £487.32 | £435.21 | £398.94 | £372.54 |
| £150,000 | £1,465.79 | £1,054.00 | £850.79 | £730.97 | £652.81 | £598.41 | £558.81 |
| £200,000 | £1,954.38 | £1,405.34 | £1,134.39 | £974.63 | £870.41 | £797.87 | £745.08 |
| £250,000 | £2,442.98 | £1,756.67 | £1,417.99 | £1,218.29 | £1,088.02 | £997.34 | £931.35 |
| £300,000 | £2,931.57 | £2,108.01 | £1,701.59 | £1,461.95 | £1,305.62 | £1,196.81 | £1,117.62 |
| £350,000 | £3,420.17 | £2,459.34 | £1,985.19 | £1,705.61 | £1,523.22 | £1,396.28 | £1,303.89 |
| £400,000 | £3,908.76 | £2,810.68 | £2,268.78 | £1,949.26 | £1,740.83 | £1,595.75 | £1,490.16 |
| £500,000 | £4,885.95 | £3,513.34 | £2,835.98 | £2,436.58 | £2,176.03 | £1,994.69 | £1,862.71 |
Rates are illustrative, remain unchanged for the calculation, and exclude fees and overpayments
3.50% mortgage rate: monthly repayments
| Loan amount | 10-year | 15-year | 20-year | 25-year | 30-year | 35-year | 40-year |
|---|---|---|---|---|---|---|---|
| £100,000 | £988.86 | £714.88 | £579.96 | £500.62 | £449.04 | £413.29 | £387.39 |
| £150,000 | £1,483.29 | £1,072.32 | £869.94 | £750.94 | £673.57 | £619.94 | £581.09 |
| £200,000 | £1,977.72 | £1,429.77 | £1,159.92 | £1,001.25 | £898.09 | £826.58 | £774.78 |
| £250,000 | £2,472.15 | £1,787.21 | £1,449.90 | £1,251.56 | £1,122.61 | £1,033.23 | £968.48 |
| £300,000 | £2,966.58 | £2,144.65 | £1,739.88 | £1,501.87 | £1,347.13 | £1,239.87 | £1,162.17 |
| £350,000 | £3,461.01 | £2,502.09 | £2,029.86 | £1,752.18 | £1,571.66 | £1,446.52 | £1,355.87 |
| £400,000 | £3,955.43 | £2,859.53 | £2,319.84 | £2,002.49 | £1,796.18 | £1,653.16 | £1,549.56 |
| £500,000 | £4,944.29 | £3,574.41 | £2,899.80 | £2,503.12 | £2,245.22 | £2,066.45 | £1,936.95 |
Rates are illustrative, remain unchanged for the calculation, and exclude fees and overpayments
3.75% mortgage rate: monthly repayments
| Loan amount | 10-year | 15-year | 20-year | 25-year | 30-year | 35-year | 40-year |
|---|---|---|---|---|---|---|---|
| £100,000 | £1,000.61 | £727.22 | £592.89 | £514.13 | £463.12 | £427.91 | £402.53 |
| £150,000 | £1,500.92 | £1,090.83 | £889.33 | £771.20 | £694.67 | £641.86 | £603.79 |
| £200,000 | £2,001.22 | £1,454.44 | £1,185.78 | £1,028.26 | £926.23 | £855.81 | £805.05 |
| £250,000 | £2,501.53 | £1,818.06 | £1,482.22 | £1,285.33 | £1,157.79 | £1,069.76 | £1,006.32 |
| £300,000 | £3,001.84 | £2,181.67 | £1,778.66 | £1,542.39 | £1,389.35 | £1,283.72 | £1,207.58 |
| £350,000 | £3,502.14 | £2,545.28 | £2,075.11 | £1,799.46 | £1,620.90 | £1,497.67 | £1,408.84 |
| £400,000 | £4,002.45 | £2,908.89 | £2,371.55 | £2,056.52 | £1,852.46 | £1,711.62 | £1,610.10 |
| £500,000 | £5,003.06 | £3,636.11 | £2,964.44 | £2,570.66 | £2,315.58 | £2,139.53 | £2,012.63 |
Rates are illustrative, remain unchanged for the calculation, and exclude fees and overpayments
4.00% mortgage rate: monthly repayments
| Loan amount | 10-year | 15-year | 20-year | 25-year | 30-year | 35-year | 40-year |
|---|---|---|---|---|---|---|---|
| £100,000 | £1,012.45 | £739.69 | £605.98 | £527.84 | £477.42 | £442.77 | £417.94 |
| £150,000 | £1,518.68 | £1,109.53 | £908.97 | £791.76 | £716.12 | £664.16 | £626.91 |
| £200,000 | £2,024.90 | £1,479.38 | £1,211.96 | £1,055.67 | £954.83 | £885.55 | £835.88 |
| £250,000 | £2,531.13 | £1,849.22 | £1,514.95 | £1,319.59 | £1,193.54 | £1,106.94 | £1,044.85 |
| £300,000 | £3,037.35 | £2,219.06 | £1,817.94 | £1,583.51 | £1,432.25 | £1,328.32 | £1,253.82 |
| £350,000 | £3,543.58 | £2,588.91 | £2,120.93 | £1,847.43 | £1,670.95 | £1,549.71 | £1,462.78 |
| £400,000 | £4,049.81 | £2,958.75 | £2,423.92 | £2,111.35 | £1,909.66 | £1,771.10 | £1,671.75 |
| £500,000 | £5,062.26 | £3,698.44 | £3,029.90 | £2,639.18 | £2,387.08 | £2,213.87 | £2,089.69 |
Rates are illustrative, remain unchanged for the calculation, and exclude fees and overpayments
4.25% mortgage rate: monthly repayments
| Loan amount | 10-year | 15-year | 20-year | 25-year | 30-year | 35-year | 40-year |
|---|---|---|---|---|---|---|---|
| £100,000 | £1,024.38 | £752.28 | £619.23 | £541.74 | £491.94 | £457.89 | £433.62 |
| £150,000 | £1,536.56 | £1,128.42 | £928.85 | £812.61 | £737.91 | £686.84 | £650.43 |
| £200,000 | £2,048.75 | £1,504.56 | £1,238.47 | £1,083.48 | £983.88 | £915.79 | £867.24 |
| £250,000 | £2,560.94 | £1,880.70 | £1,548.09 | £1,354.35 | £1,229.85 | £1,144.73 | £1,084.05 |
| £300,000 | £3,073.13 | £2,256.84 | £1,857.70 | £1,625.21 | £1,475.82 | £1,373.68 | £1,300.86 |
| £350,000 | £3,585.31 | £2,632.97 | £2,167.32 | £1,896.08 | £1,721.79 | £1,602.63 | £1,517.67 |
| £400,000 | £4,097.50 | £3,009.11 | £2,476.94 | £2,166.95 | £1,967.76 | £1,831.58 | £1,734.48 |
| £500,000 | £5,121.88 | £3,761.39 | £3,096.17 | £2,708.69 | £2,459.70 | £2,289.47 | £2,168.10 |
Rates are illustrative, remain unchanged for the calculation, and exclude fees and overpayments
4.50% mortgage rate: monthly repayments
| Loan amount | 10-year | 15-year | 20-year | 25-year | 30-year | 35-year | 40-year |
|---|---|---|---|---|---|---|---|
| £100,000 | £1,036.38 | £764.99 | £632.65 | £555.83 | £506.69 | £473.26 | £449.56 |
| £150,000 | £1,554.58 | £1,147.49 | £948.97 | £833.75 | £760.03 | £709.89 | £674.34 |
| £200,000 | £2,072.77 | £1,529.99 | £1,265.30 | £1,111.66 | £1,013.37 | £946.51 | £899.13 |
| £250,000 | £2,590.96 | £1,912.48 | £1,581.62 | £1,389.58 | £1,266.71 | £1,183.14 | £1,123.91 |
| £300,000 | £3,109.15 | £2,294.98 | £1,897.95 | £1,667.50 | £1,520.06 | £1,419.77 | £1,348.69 |
| £350,000 | £3,627.34 | £2,677.48 | £2,214.27 | £1,945.41 | £1,773.40 | £1,656.40 | £1,573.47 |
| £400,000 | £4,145.54 | £3,059.97 | £2,530.60 | £2,223.33 | £2,026.74 | £1,893.03 | £1,798.25 |
| £500,000 | £5,181.92 | £3,824.97 | £3,163.25 | £2,779.16 | £2,533.43 | £2,366.28 | £2,247.81 |
Rates are illustrative, remain unchanged for the calculation, and exclude fees and overpayments
4.75% mortgage rate: monthly repayments
| Loan amount | 10-year | 15-year | 20-year | 25-year | 30-year | 35-year | 40-year |
|---|---|---|---|---|---|---|---|
| £100,000 | £1,048.48 | £777.83 | £646.22 | £570.12 | £521.65 | £488.86 | £465.76 |
| £150,000 | £1,572.72 | £1,166.75 | £969.34 | £855.18 | £782.47 | £733.29 | £698.64 |
| £200,000 | £2,096.95 | £1,555.66 | £1,292.45 | £1,140.23 | £1,043.29 | £977.71 | £931.52 |
| £250,000 | £2,621.19 | £1,944.58 | £1,615.56 | £1,425.29 | £1,304.12 | £1,222.14 | £1,164.39 |
| £300,000 | £3,145.43 | £2,333.50 | £1,938.67 | £1,710.35 | £1,564.94 | £1,466.57 | £1,397.27 |
| £350,000 | £3,669.67 | £2,722.41 | £2,261.78 | £1,995.41 | £1,825.77 | £1,711.00 | £1,630.15 |
| £400,000 | £4,193.91 | £3,111.33 | £2,584.89 | £2,280.47 | £2,086.59 | £1,955.43 | £1,863.03 |
| £500,000 | £5,242.39 | £3,889.16 | £3,231.12 | £2,850.59 | £2,608.24 | £2,444.28 | £2,328.79 |
Rates are illustrative, remain unchanged for the calculation, and exclude fees and overpayments
5.00% mortgage rate: monthly repayments
| Loan amount | 10-year | 15-year | 20-year | 25-year | 30-year | 35-year | 40-year |
|---|---|---|---|---|---|---|---|
| £100,000 | £1,060.66 | £790.79 | £659.96 | £584.59 | £536.82 | £504.69 | £482.20 |
| £150,000 | £1,590.98 | £1,186.19 | £989.93 | £876.89 | £805.23 | £757.03 | £723.29 |
| £200,000 | £2,121.31 | £1,581.59 | £1,319.91 | £1,169.18 | £1,073.64 | £1,009.38 | £964.39 |
| £250,000 | £2,651.64 | £1,976.98 | £1,649.89 | £1,461.48 | £1,342.05 | £1,261.72 | £1,205.49 |
| £300,000 | £3,181.97 | £2,372.38 | £1,979.87 | £1,753.77 | £1,610.46 | £1,514.06 | £1,446.59 |
| £350,000 | £3,712.29 | £2,767.78 | £2,309.85 | £2,046.07 | £1,878.88 | £1,766.41 | £1,687.69 |
| £400,000 | £4,242.62 | £3,163.17 | £2,639.82 | £2,338.36 | £2,147.29 | £2,018.75 | £1,928.79 |
| £500,000 | £5,303.28 | £3,953.97 | £3,299.78 | £2,922.95 | £2,684.11 | £2,523.44 | £2,410.98 |
Rates are illustrative, remain unchanged for the calculation, and exclude fees and overpayments
5.25% mortgage rate: monthly repayments
| Loan amount | 10-year | 15-year | 20-year | 25-year | 30-year | 35-year | 40-year |
|---|---|---|---|---|---|---|---|
| £100,000 | £1,072.92 | £803.88 | £673.84 | £599.25 | £552.20 | £520.74 | £498.87 |
| £150,000 | £1,609.38 | £1,205.82 | £1,010.77 | £898.87 | £828.31 | £781.11 | £748.31 |
| £200,000 | £2,145.83 | £1,607.76 | £1,347.69 | £1,198.50 | £1,104.41 | £1,041.49 | £997.74 |
| £250,000 | £2,682.29 | £2,009.69 | £1,684.61 | £1,498.12 | £1,380.51 | £1,301.86 | £1,247.18 |
| £300,000 | £3,218.75 | £2,411.63 | £2,021.53 | £1,797.74 | £1,656.61 | £1,562.23 | £1,496.61 |
| £350,000 | £3,755.21 | £2,813.57 | £2,358.45 | £2,097.37 | £1,932.71 | £1,822.60 | £1,746.05 |
| £400,000 | £4,291.67 | £3,215.51 | £2,695.38 | £2,396.99 | £2,208.81 | £2,082.97 | £1,995.48 |
| £500,000 | £5,364.59 | £4,019.39 | £3,369.22 | £2,996.24 | £2,761.02 | £2,603.72 | £2,494.35 |
Rates are illustrative, remain unchanged for the calculation, and exclude fees and overpayments
5.50% mortgage rate: monthly repayments
| Loan amount | 10-year | 15-year | 20-year | 25-year | 30-year | 35-year | 40-year |
|---|---|---|---|---|---|---|---|
| £100,000 | £1,085.26 | £817.08 | £687.89 | £614.09 | £567.79 | £537.02 | £515.77 |
| £150,000 | £1,627.89 | £1,225.63 | £1,031.83 | £921.13 | £851.68 | £805.52 | £773.66 |
| £200,000 | £2,170.53 | £1,634.17 | £1,375.77 | £1,228.17 | £1,135.58 | £1,074.03 | £1,031.54 |
| £250,000 | £2,713.16 | £2,042.71 | £1,719.72 | £1,535.22 | £1,419.47 | £1,342.54 | £1,289.43 |
| £300,000 | £3,255.79 | £2,451.25 | £2,063.66 | £1,842.26 | £1,703.37 | £1,611.05 | £1,547.31 |
| £350,000 | £3,798.42 | £2,859.79 | £2,407.61 | £2,149.31 | £1,987.26 | £1,879.56 | £1,805.20 |
| £400,000 | £4,341.05 | £3,268.33 | £2,751.55 | £2,456.35 | £2,271.16 | £2,148.07 | £2,063.08 |
| £500,000 | £5,426.31 | £4,085.42 | £3,439.44 | £3,070.44 | £2,838.95 | £2,685.08 | £2,578.85 |
Rates are illustrative, remain unchanged for the calculation, and exclude fees and overpayments
5.75% mortgage rate: monthly repayments
| Loan amount | 10-year | 15-year | 20-year | 25-year | 30-year | 35-year | 40-year |
|---|---|---|---|---|---|---|---|
| £100,000 | £1,097.69 | £830.41 | £702.08 | £629.11 | £583.57 | £553.50 | £532.89 |
| £150,000 | £1,646.54 | £1,245.62 | £1,053.13 | £943.66 | £875.36 | £830.25 | £799.33 |
| £200,000 | £2,195.38 | £1,660.82 | £1,404.17 | £1,258.21 | £1,167.15 | £1,107.00 | £1,065.78 |
| £250,000 | £2,744.23 | £2,076.03 | £1,755.21 | £1,572.77 | £1,458.93 | £1,383.75 | £1,332.22 |
| £300,000 | £3,293.08 | £2,491.23 | £2,106.25 | £1,887.32 | £1,750.72 | £1,660.50 | £1,598.66 |
| £350,000 | £3,841.92 | £2,906.44 | £2,457.29 | £2,201.87 | £2,042.50 | £1,937.25 | £1,865.11 |
| £400,000 | £4,390.77 | £3,321.64 | £2,808.33 | £2,516.43 | £2,334.29 | £2,214.00 | £2,131.55 |
| £500,000 | £5,488.46 | £4,152.05 | £3,510.42 | £3,145.53 | £2,917.86 | £2,767.50 | £2,664.44 |
Rates are illustrative, remain unchanged for the calculation, and exclude fees and overpayments
6.00% mortgage rate: monthly repayments
| Loan amount | 10-year | 15-year | 20-year | 25-year | 30-year | 35-year | 40-year |
|---|---|---|---|---|---|---|---|
| £100,000 | £1,110.21 | £843.86 | £716.43 | £644.30 | £599.55 | £570.19 | £550.21 |
| £150,000 | £1,665.31 | £1,265.79 | £1,074.65 | £966.45 | £899.33 | £855.28 | £825.32 |
| £200,000 | £2,220.41 | £1,687.71 | £1,432.86 | £1,288.60 | £1,199.10 | £1,140.38 | £1,100.43 |
| £250,000 | £2,775.51 | £2,109.64 | £1,791.08 | £1,610.75 | £1,498.88 | £1,425.47 | £1,375.53 |
| £300,000 | £3,330.62 | £2,531.57 | £2,149.29 | £1,932.90 | £1,798.65 | £1,710.57 | £1,650.64 |
| £350,000 | £3,885.72 | £2,953.50 | £2,507.51 | £2,255.05 | £2,098.43 | £1,995.66 | £1,925.75 |
| £400,000 | £4,440.82 | £3,375.43 | £2,865.72 | £2,577.21 | £2,398.20 | £2,280.76 | £2,200.85 |
| £500,000 | £5,551.03 | £4,219.28 | £3,582.16 | £3,221.51 | £2,997.75 | £2,850.95 | £2,751.07 |
Rates are illustrative, remain unchanged for the calculation, and exclude fees and overpayments
6.25% mortgage rate: monthly repayments
| Loan amount | 10-year | 15-year | 20-year | 25-year | 30-year | 35-year | 40-year |
|---|---|---|---|---|---|---|---|
| £100,000 | £1,122.80 | £857.42 | £730.93 | £659.67 | £615.72 | £587.08 | £567.74 |
| £150,000 | £1,684.20 | £1,286.13 | £1,096.39 | £989.50 | £923.58 | £880.61 | £851.61 |
| £200,000 | £2,245.60 | £1,714.85 | £1,461.86 | £1,319.34 | £1,231.43 | £1,174.15 | £1,135.48 |
| £250,000 | £2,807.00 | £2,143.56 | £1,827.32 | £1,649.17 | £1,539.29 | £1,467.69 | £1,419.35 |
| £300,000 | £3,368.40 | £2,572.27 | £2,192.78 | £1,979.01 | £1,847.15 | £1,761.23 | £1,703.22 |
| £350,000 | £3,929.80 | £3,000.98 | £2,558.25 | £2,308.84 | £2,155.01 | £2,054.77 | £1,987.09 |
| £400,000 | £4,491.20 | £3,429.69 | £2,923.71 | £2,638.68 | £2,462.87 | £2,348.31 | £2,270.96 |
| £500,000 | £5,614.00 | £4,287.11 | £3,654.64 | £3,298.35 | £3,078.59 | £2,935.38 | £2,838.70 |
Rates are illustrative, remain unchanged for the calculation, and exclude fees and overpayments
6.50% mortgage rate: monthly repayments
| Loan amount | 10-year | 15-year | 20-year | 25-year | 30-year | 35-year | 40-year |
|---|---|---|---|---|---|---|---|
| £100,000 | £1,135.48 | £871.11 | £745.57 | £675.21 | £632.07 | £604.15 | £585.46 |
| £150,000 | £1,703.22 | £1,306.66 | £1,118.36 | £1,012.81 | £948.10 | £906.23 | £878.19 |
| £200,000 | £2,270.96 | £1,742.21 | £1,491.15 | £1,350.41 | £1,264.14 | £1,208.31 | £1,170.91 |
| £250,000 | £2,838.70 | £2,177.77 | £1,863.93 | £1,688.02 | £1,580.17 | £1,510.39 | £1,463.64 |
| £300,000 | £3,406.44 | £2,613.32 | £2,236.72 | £2,025.62 | £1,896.20 | £1,812.46 | £1,756.37 |
| £350,000 | £3,974.18 | £3,048.88 | £2,609.51 | £2,363.23 | £2,212.24 | £2,114.54 | £2,049.10 |
| £400,000 | £4,541.92 | £3,484.43 | £2,982.29 | £2,700.83 | £2,528.27 | £2,416.62 | £2,341.83 |
| £500,000 | £5,677.40 | £4,355.54 | £3,727.87 | £3,376.04 | £3,160.34 | £3,020.77 | £2,927.28 |
Rates are illustrative, remain unchanged for the calculation, and exclude fees and overpayments
6.75% mortgage rate: monthly repayments
| Loan amount | 10-year | 15-year | 20-year | 25-year | 30-year | 35-year | 40-year |
|---|---|---|---|---|---|---|---|
| £100,000 | £1,148.24 | £884.91 | £760.36 | £690.91 | £648.60 | £621.42 | £603.36 |
| £150,000 | £1,722.36 | £1,327.36 | £1,140.55 | £1,036.37 | £972.90 | £932.12 | £905.04 |
| £200,000 | £2,296.48 | £1,769.82 | £1,520.73 | £1,381.82 | £1,297.20 | £1,242.83 | £1,206.71 |
| £250,000 | £2,870.60 | £2,212.27 | £1,900.91 | £1,727.28 | £1,621.50 | £1,553.54 | £1,508.39 |
| £300,000 | £3,444.72 | £2,654.73 | £2,281.09 | £2,072.73 | £1,945.79 | £1,864.25 | £1,810.07 |
| £350,000 | £4,018.84 | £3,097.18 | £2,661.27 | £2,418.19 | £2,270.09 | £2,174.96 | £2,111.75 |
| £400,000 | £4,592.96 | £3,539.64 | £3,041.46 | £2,763.65 | £2,594.39 | £2,485.67 | £2,413.43 |
| £500,000 | £5,741.21 | £4,424.55 | £3,801.82 | £3,454.56 | £3,242.99 | £3,107.08 | £3,016.78 |
Rates are illustrative, remain unchanged for the calculation, and exclude fees and overpayments
7.00% mortgage rate: monthly repayments
| Loan amount | 10-year | 15-year | 20-year | 25-year | 30-year | 35-year | 40-year |
|---|---|---|---|---|---|---|---|
| £100,000 | £1,161.08 | £898.83 | £775.30 | £706.78 | £665.30 | £638.86 | £621.43 |
| £150,000 | £1,741.63 | £1,348.24 | £1,162.95 | £1,060.17 | £997.95 | £958.28 | £932.15 |
| £200,000 | £2,322.17 | £1,797.66 | £1,550.60 | £1,413.56 | £1,330.60 | £1,277.71 | £1,242.86 |
| £250,000 | £2,902.71 | £2,247.07 | £1,938.25 | £1,766.95 | £1,663.26 | £1,597.14 | £1,553.58 |
| £300,000 | £3,483.25 | £2,696.48 | £2,325.90 | £2,120.34 | £1,995.91 | £1,916.57 | £1,864.29 |
| £350,000 | £4,063.80 | £3,145.90 | £2,713.55 | £2,473.73 | £2,328.56 | £2,236.00 | £2,175.01 |
| £400,000 | £4,644.34 | £3,595.31 | £3,101.20 | £2,827.12 | £2,661.21 | £2,555.43 | £2,485.73 |
| £500,000 | £5,805.42 | £4,494.14 | £3,876.49 | £3,533.90 | £3,326.51 | £3,194.28 | £3,107.16 |
Rates are illustrative, remain unchanged for the calculation, and exclude fees and overpayments
7.25% mortgage rate: monthly repayments
| Loan amount | 10-year | 15-year | 20-year | 25-year | 30-year | 35-year | 40-year |
|---|---|---|---|---|---|---|---|
| £100,000 | £1,174.01 | £912.86 | £790.38 | £722.81 | £682.18 | £656.47 | £639.67 |
| £150,000 | £1,761.02 | £1,369.29 | £1,185.56 | £1,084.21 | £1,023.26 | £984.70 | £959.51 |
| £200,000 | £2,348.02 | £1,825.73 | £1,580.75 | £1,445.61 | £1,364.35 | £1,312.93 | £1,279.34 |
| £250,000 | £2,935.03 | £2,282.16 | £1,975.94 | £1,807.02 | £1,705.44 | £1,641.17 | £1,599.18 |
| £300,000 | £3,522.03 | £2,738.59 | £2,371.13 | £2,168.42 | £2,046.53 | £1,969.40 | £1,919.02 |
| £350,000 | £4,109.04 | £3,195.02 | £2,766.32 | £2,529.82 | £2,387.62 | £2,297.64 | £2,238.85 |
| £400,000 | £4,696.04 | £3,651.45 | £3,161.50 | £2,891.23 | £2,728.71 | £2,625.87 | £2,558.69 |
| £500,000 | £5,870.05 | £4,564.31 | £3,951.88 | £3,614.03 | £3,410.88 | £3,282.34 | £3,198.36 |
Rates are illustrative, remain unchanged for the calculation, and exclude fees and overpayments
7.50% mortgage rate: monthly repayments
| Loan amount | 10-year | 15-year | 20-year | 25-year | 30-year | 35-year | 40-year |
|---|---|---|---|---|---|---|---|
| £100,000 | £1,187.02 | £927.01 | £805.59 | £738.99 | £699.21 | £674.24 | £658.07 |
| £150,000 | £1,780.53 | £1,390.52 | £1,208.39 | £1,108.49 | £1,048.82 | £1,011.36 | £987.11 |
| £200,000 | £2,374.04 | £1,854.02 | £1,611.19 | £1,477.98 | £1,398.43 | £1,348.49 | £1,316.14 |
| £250,000 | £2,967.54 | £2,317.53 | £2,013.98 | £1,847.48 | £1,748.04 | £1,685.61 | £1,645.18 |
| £300,000 | £3,561.05 | £2,781.04 | £2,416.78 | £2,216.97 | £2,097.64 | £2,022.73 | £1,974.21 |
| £350,000 | £4,154.56 | £3,244.54 | £2,819.58 | £2,586.47 | £2,447.25 | £2,359.85 | £2,303.25 |
| £400,000 | £4,748.07 | £3,708.05 | £3,222.37 | £2,955.96 | £2,796.86 | £2,696.97 | £2,632.28 |
| £500,000 | £5,935.09 | £4,635.06 | £4,027.97 | £3,694.96 | £3,496.07 | £3,371.21 | £3,290.35 |
Rates are illustrative, remain unchanged for the calculation, and exclude fees and overpayments
7.75% mortgage rate: monthly repayments
| Loan amount | 10-year | 15-year | 20-year | 25-year | 30-year | 35-year | 40-year |
|---|---|---|---|---|---|---|---|
| £100,000 | £1,200.11 | £941.28 | £820.95 | £755.33 | £716.41 | £692.18 | £676.62 |
| £150,000 | £1,800.16 | £1,411.91 | £1,231.42 | £1,132.99 | £1,074.62 | £1,038.26 | £1,014.93 |
| £200,000 | £2,400.21 | £1,882.55 | £1,641.90 | £1,510.66 | £1,432.82 | £1,384.35 | £1,353.24 |
| £250,000 | £3,000.27 | £2,353.19 | £2,052.37 | £1,888.32 | £1,791.03 | £1,730.44 | £1,691.55 |
| £300,000 | £3,600.32 | £2,823.83 | £2,462.85 | £2,265.99 | £2,149.24 | £2,076.53 | £2,029.86 |
| £350,000 | £4,200.37 | £3,294.47 | £2,873.32 | £2,643.65 | £2,507.44 | £2,422.62 | £2,368.17 |
| £400,000 | £4,800.43 | £3,765.10 | £3,283.79 | £3,021.32 | £2,865.65 | £2,768.70 | £2,706.48 |
| £500,000 | £6,000.53 | £4,706.38 | £4,104.74 | £3,776.64 | £3,582.06 | £3,460.88 | £3,383.10 |
Rates are illustrative, remain unchanged for the calculation, and exclude fees and overpayments
8.00% mortgage rate: monthly repayments
| Loan amount | 10-year | 15-year | 20-year | 25-year | 30-year | 35-year | 40-year |
|---|---|---|---|---|---|---|---|
| £100,000 | £1,213.28 | £955.65 | £836.44 | £771.82 | £733.76 | £710.26 | £695.31 |
| £150,000 | £1,819.91 | £1,433.48 | £1,254.66 | £1,157.72 | £1,100.65 | £1,065.39 | £1,042.97 |
| £200,000 | £2,426.55 | £1,911.30 | £1,672.88 | £1,543.63 | £1,467.53 | £1,420.52 | £1,390.62 |
| £250,000 | £3,033.19 | £2,389.13 | £2,091.10 | £1,929.54 | £1,834.41 | £1,775.65 | £1,738.28 |
| £300,000 | £3,639.83 | £2,866.96 | £2,509.32 | £2,315.45 | £2,201.29 | £2,130.78 | £2,085.94 |
| £350,000 | £4,246.47 | £3,344.78 | £2,927.54 | £2,701.36 | £2,568.18 | £2,485.91 | £2,433.59 |
| £400,000 | £4,853.10 | £3,822.61 | £3,345.76 | £3,087.26 | £2,935.06 | £2,841.04 | £2,781.25 |
| £500,000 | £6,066.38 | £4,778.26 | £4,182.20 | £3,859.08 | £3,668.82 | £3,551.30 | £3,476.56 |
Rates are illustrative, remain unchanged for the calculation, and exclude fees and overpayments
Compare by loan amount
Use this view when you know how much you need to borrow. For each loan amount, compare annual interest rates against repayment terms to explore the monthly commitment.
The loan amount is not the property price. For example, a £250,000 home with a £50,000 deposit requires a £200,000 mortgage before any fees added to the borrowing. For an existing mortgage, use the current balance and remaining term.
£100,000 mortgage: monthly repayments
| Rate | 10-year | 15-year | 20-year | 25-year | 30-year | 35-year | 40-year |
|---|---|---|---|---|---|---|---|
| 3.00% | £965.61 | £690.58 | £554.60 | £474.21 | £421.60 | £384.85 | £357.98 |
| 3.25% | £977.19 | £702.67 | £567.20 | £487.32 | £435.21 | £398.94 | £372.54 |
| 3.50% | £988.86 | £714.88 | £579.96 | £500.62 | £449.04 | £413.29 | £387.39 |
| 3.75% | £1,000.61 | £727.22 | £592.89 | £514.13 | £463.12 | £427.91 | £402.53 |
| 4.00% | £1,012.45 | £739.69 | £605.98 | £527.84 | £477.42 | £442.77 | £417.94 |
| 4.25% | £1,024.38 | £752.28 | £619.23 | £541.74 | £491.94 | £457.89 | £433.62 |
| 4.50% | £1,036.38 | £764.99 | £632.65 | £555.83 | £506.69 | £473.26 | £449.56 |
| 4.75% | £1,048.48 | £777.83 | £646.22 | £570.12 | £521.65 | £488.86 | £465.76 |
| 5.00% | £1,060.66 | £790.79 | £659.96 | £584.59 | £536.82 | £504.69 | £482.20 |
| 5.25% | £1,072.92 | £803.88 | £673.84 | £599.25 | £552.20 | £520.74 | £498.87 |
| 5.50% | £1,085.26 | £817.08 | £687.89 | £614.09 | £567.79 | £537.02 | £515.77 |
| 5.75% | £1,097.69 | £830.41 | £702.08 | £629.11 | £583.57 | £553.50 | £532.89 |
| 6.00% | £1,110.21 | £843.86 | £716.43 | £644.30 | £599.55 | £570.19 | £550.21 |
| 6.25% | £1,122.80 | £857.42 | £730.93 | £659.67 | £615.72 | £587.08 | £567.74 |
| 6.50% | £1,135.48 | £871.11 | £745.57 | £675.21 | £632.07 | £604.15 | £585.46 |
| 6.75% | £1,148.24 | £884.91 | £760.36 | £690.91 | £648.60 | £621.42 | £603.36 |
| 7.00% | £1,161.08 | £898.83 | £775.30 | £706.78 | £665.30 | £638.86 | £621.43 |
| 7.25% | £1,174.01 | £912.86 | £790.38 | £722.81 | £682.18 | £656.47 | £639.67 |
| 7.50% | £1,187.02 | £927.01 | £805.59 | £738.99 | £699.21 | £674.24 | £658.07 |
| 7.75% | £1,200.11 | £941.28 | £820.95 | £755.33 | £716.41 | £692.18 | £676.62 |
| 8.00% | £1,213.28 | £955.65 | £836.44 | £771.82 | £733.76 | £710.26 | £695.31 |
Rates are illustrative, remain unchanged for the calculation, and exclude fees and overpayments
£150,000 mortgage: monthly repayments
| Rate | 10-year | 15-year | 20-year | 25-year | 30-year | 35-year | 40-year |
|---|---|---|---|---|---|---|---|
| 3.00% | £1,448.41 | £1,035.87 | £831.90 | £711.32 | £632.41 | £577.28 | £536.98 |
| 3.25% | £1,465.79 | £1,054.00 | £850.79 | £730.97 | £652.81 | £598.41 | £558.81 |
| 3.50% | £1,483.29 | £1,072.32 | £869.94 | £750.94 | £673.57 | £619.94 | £581.09 |
| 3.75% | £1,500.92 | £1,090.83 | £889.33 | £771.20 | £694.67 | £641.86 | £603.79 |
| 4.00% | £1,518.68 | £1,109.53 | £908.97 | £791.76 | £716.12 | £664.16 | £626.91 |
| 4.25% | £1,536.56 | £1,128.42 | £928.85 | £812.61 | £737.91 | £686.84 | £650.43 |
| 4.50% | £1,554.58 | £1,147.49 | £948.97 | £833.75 | £760.03 | £709.89 | £674.34 |
| 4.75% | £1,572.72 | £1,166.75 | £969.34 | £855.18 | £782.47 | £733.29 | £698.64 |
| 5.00% | £1,590.98 | £1,186.19 | £989.93 | £876.89 | £805.23 | £757.03 | £723.29 |
| 5.25% | £1,609.38 | £1,205.82 | £1,010.77 | £898.87 | £828.31 | £781.11 | £748.31 |
| 5.50% | £1,627.89 | £1,225.63 | £1,031.83 | £921.13 | £851.68 | £805.52 | £773.66 |
| 5.75% | £1,646.54 | £1,245.62 | £1,053.13 | £943.66 | £875.36 | £830.25 | £799.33 |
| 6.00% | £1,665.31 | £1,265.79 | £1,074.65 | £966.45 | £899.33 | £855.28 | £825.32 |
| 6.25% | £1,684.20 | £1,286.13 | £1,096.39 | £989.50 | £923.58 | £880.61 | £851.61 |
| 6.50% | £1,703.22 | £1,306.66 | £1,118.36 | £1,012.81 | £948.10 | £906.23 | £878.19 |
| 6.75% | £1,722.36 | £1,327.36 | £1,140.55 | £1,036.37 | £972.90 | £932.12 | £905.04 |
| 7.00% | £1,741.63 | £1,348.24 | £1,162.95 | £1,060.17 | £997.95 | £958.28 | £932.15 |
| 7.25% | £1,761.02 | £1,369.29 | £1,185.56 | £1,084.21 | £1,023.26 | £984.70 | £959.51 |
| 7.50% | £1,780.53 | £1,390.52 | £1,208.39 | £1,108.49 | £1,048.82 | £1,011.36 | £987.11 |
| 7.75% | £1,800.16 | £1,411.91 | £1,231.42 | £1,132.99 | £1,074.62 | £1,038.26 | £1,014.93 |
| 8.00% | £1,819.91 | £1,433.48 | £1,254.66 | £1,157.72 | £1,100.65 | £1,065.39 | £1,042.97 |
Rates are illustrative, remain unchanged for the calculation, and exclude fees and overpayments
£200,000 mortgage: monthly repayments
| Rate | 10-year | 15-year | 20-year | 25-year | 30-year | 35-year | 40-year |
|---|---|---|---|---|---|---|---|
| 3.00% | £1,931.21 | £1,381.16 | £1,109.20 | £948.42 | £843.21 | £769.70 | £715.97 |
| 3.25% | £1,954.38 | £1,405.34 | £1,134.39 | £974.63 | £870.41 | £797.87 | £745.08 |
| 3.50% | £1,977.72 | £1,429.77 | £1,159.92 | £1,001.25 | £898.09 | £826.58 | £774.78 |
| 3.75% | £2,001.22 | £1,454.44 | £1,185.78 | £1,028.26 | £926.23 | £855.81 | £805.05 |
| 4.00% | £2,024.90 | £1,479.38 | £1,211.96 | £1,055.67 | £954.83 | £885.55 | £835.88 |
| 4.25% | £2,048.75 | £1,504.56 | £1,238.47 | £1,083.48 | £983.88 | £915.79 | £867.24 |
| 4.50% | £2,072.77 | £1,529.99 | £1,265.30 | £1,111.66 | £1,013.37 | £946.51 | £899.13 |
| 4.75% | £2,096.95 | £1,555.66 | £1,292.45 | £1,140.23 | £1,043.29 | £977.71 | £931.52 |
| 5.00% | £2,121.31 | £1,581.59 | £1,319.91 | £1,169.18 | £1,073.64 | £1,009.38 | £964.39 |
| 5.25% | £2,145.83 | £1,607.76 | £1,347.69 | £1,198.50 | £1,104.41 | £1,041.49 | £997.74 |
| 5.50% | £2,170.53 | £1,634.17 | £1,375.77 | £1,228.17 | £1,135.58 | £1,074.03 | £1,031.54 |
| 5.75% | £2,195.38 | £1,660.82 | £1,404.17 | £1,258.21 | £1,167.15 | £1,107.00 | £1,065.78 |
| 6.00% | £2,220.41 | £1,687.71 | £1,432.86 | £1,288.60 | £1,199.10 | £1,140.38 | £1,100.43 |
| 6.25% | £2,245.60 | £1,714.85 | £1,461.86 | £1,319.34 | £1,231.43 | £1,174.15 | £1,135.48 |
| 6.50% | £2,270.96 | £1,742.21 | £1,491.15 | £1,350.41 | £1,264.14 | £1,208.31 | £1,170.91 |
| 6.75% | £2,296.48 | £1,769.82 | £1,520.73 | £1,381.82 | £1,297.20 | £1,242.83 | £1,206.71 |
| 7.00% | £2,322.17 | £1,797.66 | £1,550.60 | £1,413.56 | £1,330.60 | £1,277.71 | £1,242.86 |
| 7.25% | £2,348.02 | £1,825.73 | £1,580.75 | £1,445.61 | £1,364.35 | £1,312.93 | £1,279.34 |
| 7.50% | £2,374.04 | £1,854.02 | £1,611.19 | £1,477.98 | £1,398.43 | £1,348.49 | £1,316.14 |
| 7.75% | £2,400.21 | £1,882.55 | £1,641.90 | £1,510.66 | £1,432.82 | £1,384.35 | £1,353.24 |
| 8.00% | £2,426.55 | £1,911.30 | £1,672.88 | £1,543.63 | £1,467.53 | £1,420.52 | £1,390.62 |
Rates are illustrative, remain unchanged for the calculation, and exclude fees and overpayments
£250,000 mortgage: monthly repayments
| Rate | 10-year | 15-year | 20-year | 25-year | 30-year | 35-year | 40-year |
|---|---|---|---|---|---|---|---|
| 3.00% | £2,414.02 | £1,726.45 | £1,386.49 | £1,185.53 | £1,054.01 | £962.13 | £894.96 |
| 3.25% | £2,442.98 | £1,756.67 | £1,417.99 | £1,218.29 | £1,088.02 | £997.34 | £931.35 |
| 3.50% | £2,472.15 | £1,787.21 | £1,449.90 | £1,251.56 | £1,122.61 | £1,033.23 | £968.48 |
| 3.75% | £2,501.53 | £1,818.06 | £1,482.22 | £1,285.33 | £1,157.79 | £1,069.76 | £1,006.32 |
| 4.00% | £2,531.13 | £1,849.22 | £1,514.95 | £1,319.59 | £1,193.54 | £1,106.94 | £1,044.85 |
| 4.25% | £2,560.94 | £1,880.70 | £1,548.09 | £1,354.35 | £1,229.85 | £1,144.73 | £1,084.05 |
| 4.50% | £2,590.96 | £1,912.48 | £1,581.62 | £1,389.58 | £1,266.71 | £1,183.14 | £1,123.91 |
| 4.75% | £2,621.19 | £1,944.58 | £1,615.56 | £1,425.29 | £1,304.12 | £1,222.14 | £1,164.39 |
| 5.00% | £2,651.64 | £1,976.98 | £1,649.89 | £1,461.48 | £1,342.05 | £1,261.72 | £1,205.49 |
| 5.25% | £2,682.29 | £2,009.69 | £1,684.61 | £1,498.12 | £1,380.51 | £1,301.86 | £1,247.18 |
| 5.50% | £2,713.16 | £2,042.71 | £1,719.72 | £1,535.22 | £1,419.47 | £1,342.54 | £1,289.43 |
| 5.75% | £2,744.23 | £2,076.03 | £1,755.21 | £1,572.77 | £1,458.93 | £1,383.75 | £1,332.22 |
| 6.00% | £2,775.51 | £2,109.64 | £1,791.08 | £1,610.75 | £1,498.88 | £1,425.47 | £1,375.53 |
| 6.25% | £2,807.00 | £2,143.56 | £1,827.32 | £1,649.17 | £1,539.29 | £1,467.69 | £1,419.35 |
| 6.50% | £2,838.70 | £2,177.77 | £1,863.93 | £1,688.02 | £1,580.17 | £1,510.39 | £1,463.64 |
| 6.75% | £2,870.60 | £2,212.27 | £1,900.91 | £1,727.28 | £1,621.50 | £1,553.54 | £1,508.39 |
| 7.00% | £2,902.71 | £2,247.07 | £1,938.25 | £1,766.95 | £1,663.26 | £1,597.14 | £1,553.58 |
| 7.25% | £2,935.03 | £2,282.16 | £1,975.94 | £1,807.02 | £1,705.44 | £1,641.17 | £1,599.18 |
| 7.50% | £2,967.54 | £2,317.53 | £2,013.98 | £1,847.48 | £1,748.04 | £1,685.61 | £1,645.18 |
| 7.75% | £3,000.27 | £2,353.19 | £2,052.37 | £1,888.32 | £1,791.03 | £1,730.44 | £1,691.55 |
| 8.00% | £3,033.19 | £2,389.13 | £2,091.10 | £1,929.54 | £1,834.41 | £1,775.65 | £1,738.28 |
Rates are illustrative, remain unchanged for the calculation, and exclude fees and overpayments
£300,000 mortgage: monthly repayments
| Rate | 10-year | 15-year | 20-year | 25-year | 30-year | 35-year | 40-year |
|---|---|---|---|---|---|---|---|
| 3.00% | £2,896.82 | £2,071.74 | £1,663.79 | £1,422.63 | £1,264.81 | £1,154.55 | £1,073.95 |
| 3.25% | £2,931.57 | £2,108.01 | £1,701.59 | £1,461.95 | £1,305.62 | £1,196.81 | £1,117.62 |
| 3.50% | £2,966.58 | £2,144.65 | £1,739.88 | £1,501.87 | £1,347.13 | £1,239.87 | £1,162.17 |
| 3.75% | £3,001.84 | £2,181.67 | £1,778.66 | £1,542.39 | £1,389.35 | £1,283.72 | £1,207.58 |
| 4.00% | £3,037.35 | £2,219.06 | £1,817.94 | £1,583.51 | £1,432.25 | £1,328.32 | £1,253.82 |
| 4.25% | £3,073.13 | £2,256.84 | £1,857.70 | £1,625.21 | £1,475.82 | £1,373.68 | £1,300.86 |
| 4.50% | £3,109.15 | £2,294.98 | £1,897.95 | £1,667.50 | £1,520.06 | £1,419.77 | £1,348.69 |
| 4.75% | £3,145.43 | £2,333.50 | £1,938.67 | £1,710.35 | £1,564.94 | £1,466.57 | £1,397.27 |
| 5.00% | £3,181.97 | £2,372.38 | £1,979.87 | £1,753.77 | £1,610.46 | £1,514.06 | £1,446.59 |
| 5.25% | £3,218.75 | £2,411.63 | £2,021.53 | £1,797.74 | £1,656.61 | £1,562.23 | £1,496.61 |
| 5.50% | £3,255.79 | £2,451.25 | £2,063.66 | £1,842.26 | £1,703.37 | £1,611.05 | £1,547.31 |
| 5.75% | £3,293.08 | £2,491.23 | £2,106.25 | £1,887.32 | £1,750.72 | £1,660.50 | £1,598.66 |
| 6.00% | £3,330.62 | £2,531.57 | £2,149.29 | £1,932.90 | £1,798.65 | £1,710.57 | £1,650.64 |
| 6.25% | £3,368.40 | £2,572.27 | £2,192.78 | £1,979.01 | £1,847.15 | £1,761.23 | £1,703.22 |
| 6.50% | £3,406.44 | £2,613.32 | £2,236.72 | £2,025.62 | £1,896.20 | £1,812.46 | £1,756.37 |
| 6.75% | £3,444.72 | £2,654.73 | £2,281.09 | £2,072.73 | £1,945.79 | £1,864.25 | £1,810.07 |
| 7.00% | £3,483.25 | £2,696.48 | £2,325.90 | £2,120.34 | £1,995.91 | £1,916.57 | £1,864.29 |
| 7.25% | £3,522.03 | £2,738.59 | £2,371.13 | £2,168.42 | £2,046.53 | £1,969.40 | £1,919.02 |
| 7.50% | £3,561.05 | £2,781.04 | £2,416.78 | £2,216.97 | £2,097.64 | £2,022.73 | £1,974.21 |
| 7.75% | £3,600.32 | £2,823.83 | £2,462.85 | £2,265.99 | £2,149.24 | £2,076.53 | £2,029.86 |
| 8.00% | £3,639.83 | £2,866.96 | £2,509.32 | £2,315.45 | £2,201.29 | £2,130.78 | £2,085.94 |
Rates are illustrative, remain unchanged for the calculation, and exclude fees and overpayments
£350,000 mortgage: monthly repayments
| Rate | 10-year | 15-year | 20-year | 25-year | 30-year | 35-year | 40-year |
|---|---|---|---|---|---|---|---|
| 3.00% | £3,379.63 | £2,417.04 | £1,941.09 | £1,659.74 | £1,475.61 | £1,346.98 | £1,252.95 |
| 3.25% | £3,420.17 | £2,459.34 | £1,985.19 | £1,705.61 | £1,523.22 | £1,396.28 | £1,303.89 |
| 3.50% | £3,461.01 | £2,502.09 | £2,029.86 | £1,752.18 | £1,571.66 | £1,446.52 | £1,355.87 |
| 3.75% | £3,502.14 | £2,545.28 | £2,075.11 | £1,799.46 | £1,620.90 | £1,497.67 | £1,408.84 |
| 4.00% | £3,543.58 | £2,588.91 | £2,120.93 | £1,847.43 | £1,670.95 | £1,549.71 | £1,462.78 |
| 4.25% | £3,585.31 | £2,632.97 | £2,167.32 | £1,896.08 | £1,721.79 | £1,602.63 | £1,517.67 |
| 4.50% | £3,627.34 | £2,677.48 | £2,214.27 | £1,945.41 | £1,773.40 | £1,656.40 | £1,573.47 |
| 4.75% | £3,669.67 | £2,722.41 | £2,261.78 | £1,995.41 | £1,825.77 | £1,711.00 | £1,630.15 |
| 5.00% | £3,712.29 | £2,767.78 | £2,309.85 | £2,046.07 | £1,878.88 | £1,766.41 | £1,687.69 |
| 5.25% | £3,755.21 | £2,813.57 | £2,358.45 | £2,097.37 | £1,932.71 | £1,822.60 | £1,746.05 |
| 5.50% | £3,798.42 | £2,859.79 | £2,407.61 | £2,149.31 | £1,987.26 | £1,879.56 | £1,805.20 |
| 5.75% | £3,841.92 | £2,906.44 | £2,457.29 | £2,201.87 | £2,042.50 | £1,937.25 | £1,865.11 |
| 6.00% | £3,885.72 | £2,953.50 | £2,507.51 | £2,255.05 | £2,098.43 | £1,995.66 | £1,925.75 |
| 6.25% | £3,929.80 | £3,000.98 | £2,558.25 | £2,308.84 | £2,155.01 | £2,054.77 | £1,987.09 |
| 6.50% | £3,974.18 | £3,048.88 | £2,609.51 | £2,363.23 | £2,212.24 | £2,114.54 | £2,049.10 |
| 6.75% | £4,018.84 | £3,097.18 | £2,661.27 | £2,418.19 | £2,270.09 | £2,174.96 | £2,111.75 |
| 7.00% | £4,063.80 | £3,145.90 | £2,713.55 | £2,473.73 | £2,328.56 | £2,236.00 | £2,175.01 |
| 7.25% | £4,109.04 | £3,195.02 | £2,766.32 | £2,529.82 | £2,387.62 | £2,297.64 | £2,238.85 |
| 7.50% | £4,154.56 | £3,244.54 | £2,819.58 | £2,586.47 | £2,447.25 | £2,359.85 | £2,303.25 |
| 7.75% | £4,200.37 | £3,294.47 | £2,873.32 | £2,643.65 | £2,507.44 | £2,422.62 | £2,368.17 |
| 8.00% | £4,246.47 | £3,344.78 | £2,927.54 | £2,701.36 | £2,568.18 | £2,485.91 | £2,433.59 |
Rates are illustrative, remain unchanged for the calculation, and exclude fees and overpayments
£400,000 mortgage: monthly repayments
| Rate | 10-year | 15-year | 20-year | 25-year | 30-year | 35-year | 40-year |
|---|---|---|---|---|---|---|---|
| 3.00% | £3,862.43 | £2,762.33 | £2,218.39 | £1,896.85 | £1,686.42 | £1,539.40 | £1,431.94 |
| 3.25% | £3,908.76 | £2,810.68 | £2,268.78 | £1,949.26 | £1,740.83 | £1,595.75 | £1,490.16 |
| 3.50% | £3,955.43 | £2,859.53 | £2,319.84 | £2,002.49 | £1,796.18 | £1,653.16 | £1,549.56 |
| 3.75% | £4,002.45 | £2,908.89 | £2,371.55 | £2,056.52 | £1,852.46 | £1,711.62 | £1,610.10 |
| 4.00% | £4,049.81 | £2,958.75 | £2,423.92 | £2,111.35 | £1,909.66 | £1,771.10 | £1,671.75 |
| 4.25% | £4,097.50 | £3,009.11 | £2,476.94 | £2,166.95 | £1,967.76 | £1,831.58 | £1,734.48 |
| 4.50% | £4,145.54 | £3,059.97 | £2,530.60 | £2,223.33 | £2,026.74 | £1,893.03 | £1,798.25 |
| 4.75% | £4,193.91 | £3,111.33 | £2,584.89 | £2,280.47 | £2,086.59 | £1,955.43 | £1,863.03 |
| 5.00% | £4,242.62 | £3,163.17 | £2,639.82 | £2,338.36 | £2,147.29 | £2,018.75 | £1,928.79 |
| 5.25% | £4,291.67 | £3,215.51 | £2,695.38 | £2,396.99 | £2,208.81 | £2,082.97 | £1,995.48 |
| 5.50% | £4,341.05 | £3,268.33 | £2,751.55 | £2,456.35 | £2,271.16 | £2,148.07 | £2,063.08 |
| 5.75% | £4,390.77 | £3,321.64 | £2,808.33 | £2,516.43 | £2,334.29 | £2,214.00 | £2,131.55 |
| 6.00% | £4,440.82 | £3,375.43 | £2,865.72 | £2,577.21 | £2,398.20 | £2,280.76 | £2,200.85 |
| 6.25% | £4,491.20 | £3,429.69 | £2,923.71 | £2,638.68 | £2,462.87 | £2,348.31 | £2,270.96 |
| 6.50% | £4,541.92 | £3,484.43 | £2,982.29 | £2,700.83 | £2,528.27 | £2,416.62 | £2,341.83 |
| 6.75% | £4,592.96 | £3,539.64 | £3,041.46 | £2,763.65 | £2,594.39 | £2,485.67 | £2,413.43 |
| 7.00% | £4,644.34 | £3,595.31 | £3,101.20 | £2,827.12 | £2,661.21 | £2,555.43 | £2,485.73 |
| 7.25% | £4,696.04 | £3,651.45 | £3,161.50 | £2,891.23 | £2,728.71 | £2,625.87 | £2,558.69 |
| 7.50% | £4,748.07 | £3,708.05 | £3,222.37 | £2,955.96 | £2,796.86 | £2,696.97 | £2,632.28 |
| 7.75% | £4,800.43 | £3,765.10 | £3,283.79 | £3,021.32 | £2,865.65 | £2,768.70 | £2,706.48 |
| 8.00% | £4,853.10 | £3,822.61 | £3,345.76 | £3,087.26 | £2,935.06 | £2,841.04 | £2,781.25 |
Rates are illustrative, remain unchanged for the calculation, and exclude fees and overpayments
£500,000 mortgage: monthly repayments
| Rate | 10-year | 15-year | 20-year | 25-year | 30-year | 35-year | 40-year |
|---|---|---|---|---|---|---|---|
| 3.00% | £4,828.04 | £3,452.91 | £2,772.99 | £2,371.06 | £2,108.02 | £1,924.25 | £1,789.92 |
| 3.25% | £4,885.95 | £3,513.34 | £2,835.98 | £2,436.58 | £2,176.03 | £1,994.69 | £1,862.71 |
| 3.50% | £4,944.29 | £3,574.41 | £2,899.80 | £2,503.12 | £2,245.22 | £2,066.45 | £1,936.95 |
| 3.75% | £5,003.06 | £3,636.11 | £2,964.44 | £2,570.66 | £2,315.58 | £2,139.53 | £2,012.63 |
| 4.00% | £5,062.26 | £3,698.44 | £3,029.90 | £2,639.18 | £2,387.08 | £2,213.87 | £2,089.69 |
| 4.25% | £5,121.88 | £3,761.39 | £3,096.17 | £2,708.69 | £2,459.70 | £2,289.47 | £2,168.10 |
| 4.50% | £5,181.92 | £3,824.97 | £3,163.25 | £2,779.16 | £2,533.43 | £2,366.28 | £2,247.81 |
| 4.75% | £5,242.39 | £3,889.16 | £3,231.12 | £2,850.59 | £2,608.24 | £2,444.28 | £2,328.79 |
| 5.00% | £5,303.28 | £3,953.97 | £3,299.78 | £2,922.95 | £2,684.11 | £2,523.44 | £2,410.98 |
| 5.25% | £5,364.59 | £4,019.39 | £3,369.22 | £2,996.24 | £2,761.02 | £2,603.72 | £2,494.35 |
| 5.50% | £5,426.31 | £4,085.42 | £3,439.44 | £3,070.44 | £2,838.95 | £2,685.08 | £2,578.85 |
| 5.75% | £5,488.46 | £4,152.05 | £3,510.42 | £3,145.53 | £2,917.86 | £2,767.50 | £2,664.44 |
| 6.00% | £5,551.03 | £4,219.28 | £3,582.16 | £3,221.51 | £2,997.75 | £2,850.95 | £2,751.07 |
| 6.25% | £5,614.00 | £4,287.11 | £3,654.64 | £3,298.35 | £3,078.59 | £2,935.38 | £2,838.70 |
| 6.50% | £5,677.40 | £4,355.54 | £3,727.87 | £3,376.04 | £3,160.34 | £3,020.77 | £2,927.28 |
| 6.75% | £5,741.21 | £4,424.55 | £3,801.82 | £3,454.56 | £3,242.99 | £3,107.08 | £3,016.78 |
| 7.00% | £5,805.42 | £4,494.14 | £3,876.49 | £3,533.90 | £3,326.51 | £3,194.28 | £3,107.16 |
| 7.25% | £5,870.05 | £4,564.31 | £3,951.88 | £3,614.03 | £3,410.88 | £3,282.34 | £3,198.36 |
| 7.50% | £5,935.09 | £4,635.06 | £4,027.97 | £3,694.96 | £3,496.07 | £3,371.21 | £3,290.35 |
| 7.75% | £6,000.53 | £4,706.38 | £4,104.74 | £3,776.64 | £3,582.06 | £3,460.88 | £3,383.10 |
| 8.00% | £6,066.38 | £4,778.26 | £4,182.20 | £3,859.08 | £3,668.82 | £3,551.30 | £3,476.56 |
Rates are illustrative, remain unchanged for the calculation, and exclude fees and overpayments
How to read a repayment figure
Each repayment figure should be read as a monthly amount in pounds covering both interest and repayment of the loan. Choose your group, then locate the intersection of the appropriate row and column. Check the headings carefully when switching views: the figure held constant changes with your selection.
As a worked example, a £200,000 repayment mortgage over 25 years at an unchanged annual rate of 4.5% has an estimated monthly payment of £1,111.66. This uses monthly interest at the annual rate divided by 12 and payments at the end of each month, with no fees or overpayments.
If your exact amount, rate or remaining term falls between the examples, calculate it directly rather than treating the nearest entry as a quotation.
Assumptions behind the comparisons
- Repayment mortgage: payments cover capital and interest. Interest-only and part-and-part mortgages need a different calculation.
- Constant rate: the selected annual rate is assumed to apply throughout the repayment period. The examples are not current offers or forecasts.
- Monthly payments: calculations use equal monthly instalments and an annual rate divided by 12.
- No extra costs: product fees, early repayment charges, insurance, council tax and service charges are excluded.
- No overpayments: the scheduled payments are made without additional lump sums, payment holidays or changes to the term.
- Rounding: monthly figures are displayed to the nearest penny. Lender figures may differ because of daily interest, payment dates and rounding methods.
The rates and loan amounts used in examples are comparison inputs, not a list of available mortgage products or evidence that a lender will accept a particular application. A lower rate in a table is not a recommendation or a promise of savings.
Compare one change at a time
Suppose you want to borrow £200,000 at an illustrative rate of 4.5%. Over 25 years, the estimated payment is £1,111.66 a month. Keeping the amount and rate unchanged but extending the term to 30 years reduces it to £1,013.37. That is about £98.29 less each month, but it adds five years of scheduled payments.
Alternatively, keep the 25-year term and increase the rate from 4.5% to 5.5%. The payment becomes £1,228.17, approximately £116.51 more each month. These two comparisons answer different questions: one tests the repayment period, while the other tests the interest rate.
If you change the amount, rate and term together, the lowest payment alone will not tell you which change produced it. Start with a baseline, change one input and then compare the results under the same assumptions.
What the monthly figures do not tell you
A repayment table is not an amortisation schedule. It shows the regular payment for a scenario, rather than a month-by-month breakdown of interest, capital repaid and the outstanding balance.
Under a constant-rate schedule, multiplying the unrounded monthly payment by the number of payments gives total repayments. Subtracting the original loan gives total interest, before fees. Multiplying a displayed payment rounded to pennies gives only an approximation, so use the calculator's total figures when comparing long-term costs.
For an existing mortgage, avoid restarting the original term by accident. If a 25-year loan has run for five years without a term change, use the current balance and the remaining 20 years. Extending that balance over a fresh 25 years would be a different borrowing decision.
Mortgage term and fixed-rate period are different
A 25-year mortgage term describes the planned repayment period. It does not mean the rate is fixed for 25 years. When an initial deal ends, the rate and payment may change. Treat a constant-rate comparison as a way to explore costs, rather than a prediction of every future payment.
Read MoneyHelper's guide to mortgage interest-rate options for an explanation of fixed and variable products.
Use monthly payments alongside your wider budget
A manageable payment needs to leave room for bills, maintenance, other commitments and unexpected expenses. Compare the total interest as well as the monthly amount, especially when considering a longer term.
These comparisons do not assess eligibility or the amount a lender will offer. Use the mortgage calculator to explore your figures, then confirm actual rates, fees and repayment terms with a lender or mortgage adviser.
This guide provides general information and illustrative estimates, not personalised mortgage advice or a lending offer.