Mortgage Repayment Tables UK 2025
Monthly repayment lookup tables for every common UK mortgage size — from £150,000 to £500,000 — at rates from 4% to 7.5% over 10 to 30 years. All figures are for capital repayment mortgages.
These tables show the monthly repayment for a standard capital repayment mortgage (also called a repayment mortgage) at a range of interest rates and loan terms. Use them to quickly look up your approximate monthly cost, then use the mortgage calculator for a precise figure including total interest paid.
How to use these tables
- Find the table for your loan size below, or use the per £100,000 table and multiply.
- Find your interest rate in the left column.
- Read across to your preferred mortgage term.
- The figure shown is your monthly capital and interest payment.
Note: these figures are for the mortgage payment only and exclude buildings insurance, life insurance, survey costs, and any lender fees. For a full cost breakdown, see our renting vs buying guide.
Monthly repayment per £100,000 borrowed
The table below shows the monthly repayment for every £100,000 of mortgage. To calculate your repayment, multiply by your loan size in hundreds of thousands. For example, a £350,000 mortgage at 5.5% over 25 years: find 5.5% at 25 years = £614 × 3.5 = £2,149/month.
| Rate | 10 yrs | 15 yrs | 20 yrs | 25 yrs | 30 yrs |
|---|---|---|---|---|---|
| 3.5% | £989 | £715 | £580 | £501 | £449 |
| 4.0% | £1,012 | £740 | £606 | £528 | £477 |
| 4.5% | £1,036 | £765 | £633 | £556 | £507 |
| 5.0% | £1,061 | £791 | £660 | £585 | £537 |
| 5.5% | £1,085 | £817 | £688 | £614 | £568 |
| 6.0% | £1,110 | £844 | £716 | £644 | £600 |
| ★ 6.5% | £1,135 | £871 | £746 | £675 | £632 |
| 7.0% | £1,161 | £899 | £775 | £707 | £665 |
| 7.5% | £1,187 | £927 | £806 | £739 | £699 |
| 8.0% | £1,213 | £956 | £836 | £772 | £734 |
★ Current average UK 5-year fixed rate (approximate, April 2025). Check Bank of England statistics for current market rates.
Full repayment tables by loan size
Jump to your loan size:
£150,000 mortgage repayments
| Rate | 10 yrs | 15 yrs | 20 yrs | 25 yrs | 30 yrs |
|---|---|---|---|---|---|
| 4.0% | £1,519 | £1,110 | £909 | £792 | £716 |
| 4.5% | £1,555 | £1,147 | £949 | £834 | £760 |
| 5.0% | £1,591 | £1,186 | £990 | £877 | £805 |
| 5.5% | £1,628 | £1,226 | £1,032 | £921 | £852 |
| 6.0% | £1,665 | £1,266 | £1,075 | £966 | £899 |
| 6.5% | £1,703 | £1,307 | £1,118 | £1,013 | £948 |
| 7.0% | £1,742 | £1,348 | £1,163 | £1,060 | £998 |
| 7.5% | £1,781 | £1,391 | £1,208 | £1,108 | £1,049 |
£200,000 mortgage repayments
| Rate | 10 yrs | 15 yrs | 20 yrs | 25 yrs | 30 yrs |
|---|---|---|---|---|---|
| 4.0% | £2,025 | £1,479 | £1,212 | £1,056 | £955 |
| 4.5% | £2,073 | £1,530 | £1,265 | £1,112 | £1,013 |
| 5.0% | £2,121 | £1,582 | £1,320 | £1,169 | £1,074 |
| 5.5% | £2,171 | £1,634 | £1,376 | £1,228 | £1,136 |
| 6.0% | £2,220 | £1,688 | £1,433 | £1,289 | £1,199 |
| 6.5% | £2,271 | £1,742 | £1,491 | £1,350 | £1,264 |
| 7.0% | £2,322 | £1,798 | £1,551 | £1,414 | £1,331 |
| 7.5% | £2,374 | £1,854 | £1,611 | £1,478 | £1,398 |
£250,000 mortgage repayments
| Rate | 10 yrs | 15 yrs | 20 yrs | 25 yrs | 30 yrs |
|---|---|---|---|---|---|
| 4.0% | £2,531 | £1,849 | £1,515 | £1,320 | £1,194 |
| 4.5% | £2,591 | £1,912 | £1,582 | £1,390 | £1,267 |
| 5.0% | £2,652 | £1,977 | £1,650 | £1,461 | £1,342 |
| 5.5% | £2,713 | £2,043 | £1,720 | £1,535 | £1,419 |
| 6.0% | £2,776 | £2,110 | £1,791 | £1,611 | £1,499 |
| 6.5% | £2,839 | £2,178 | £1,864 | £1,688 | £1,580 |
| 7.0% | £2,903 | £2,247 | £1,938 | £1,767 | £1,663 |
| 7.5% | £2,968 | £2,318 | £2,014 | £1,847 | £1,748 |
£300,000 mortgage repayments
| Rate | 10 yrs | 15 yrs | 20 yrs | 25 yrs | 30 yrs |
|---|---|---|---|---|---|
| 4.0% | £3,037 | £2,219 | £1,818 | £1,584 | £1,432 |
| 4.5% | £3,109 | £2,295 | £1,898 | £1,667 | £1,520 |
| 5.0% | £3,182 | £2,372 | £1,980 | £1,754 | £1,610 |
| 5.5% | £3,256 | £2,451 | £2,064 | £1,842 | £1,703 |
| 6.0% | £3,331 | £2,532 | £2,149 | £1,933 | £1,799 |
| 6.5% | £3,406 | £2,613 | £2,237 | £2,026 | £1,896 |
| 7.0% | £3,483 | £2,696 | £2,326 | £2,120 | £1,996 |
| 7.5% | £3,561 | £2,781 | £2,417 | £2,217 | £2,098 |
£350,000 mortgage repayments
| Rate | 10 yrs | 15 yrs | 20 yrs | 25 yrs | 30 yrs |
|---|---|---|---|---|---|
| 4.0% | £3,544 | £2,589 | £2,121 | £1,847 | £1,671 |
| 4.5% | £3,627 | £2,677 | £2,214 | £1,945 | £1,773 |
| 5.0% | £3,712 | £2,768 | £2,310 | £2,046 | £1,879 |
| 5.5% | £3,798 | £2,860 | £2,408 | £2,149 | £1,987 |
| 6.0% | £3,886 | £2,953 | £2,508 | £2,255 | £2,098 |
| 6.5% | £3,974 | £3,049 | £2,610 | £2,363 | £2,212 |
| 7.0% | £4,064 | £3,146 | £2,714 | £2,474 | £2,329 |
| 7.5% | £4,155 | £3,245 | £2,820 | £2,586 | £2,447 |
£400,000 mortgage repayments
| Rate | 10 yrs | 15 yrs | 20 yrs | 25 yrs | 30 yrs |
|---|---|---|---|---|---|
| 4.0% | £4,050 | £2,959 | £2,424 | £2,111 | £1,910 |
| 4.5% | £4,146 | £3,060 | £2,531 | £2,223 | £2,027 |
| 5.0% | £4,243 | £3,163 | £2,640 | £2,338 | £2,147 |
| 5.5% | £4,341 | £3,268 | £2,752 | £2,456 | £2,271 |
| 6.0% | £4,441 | £3,375 | £2,866 | £2,577 | £2,398 |
| 6.5% | £4,542 | £3,484 | £2,982 | £2,701 | £2,528 |
| 7.0% | £4,644 | £3,595 | £3,101 | £2,827 | £2,661 |
| 7.5% | £4,748 | £3,708 | £3,222 | £2,956 | £2,797 |
£500,000 mortgage repayments
| Rate | 10 yrs | 15 yrs | 20 yrs | 25 yrs | 30 yrs |
|---|---|---|---|---|---|
| 4.0% | £5,062 | £3,698 | £3,030 | £2,639 | £2,387 |
| 4.5% | £5,182 | £3,825 | £3,163 | £2,779 | £2,533 |
| 5.0% | £5,303 | £3,954 | £3,300 | £2,923 | £2,684 |
| 5.5% | £5,426 | £4,085 | £3,439 | £3,070 | £2,839 |
| 6.0% | £5,551 | £4,219 | £3,582 | £3,222 | £2,998 |
| 6.5% | £5,677 | £4,356 | £3,728 | £3,376 | £3,160 |
| 7.0% | £5,805 | £4,494 | £3,876 | £3,534 | £3,327 |
| 7.5% | £5,935 | £4,635 | £4,028 | £3,695 | £3,496 |
Interest-only vs repayment mortgages
All figures in these tables are for capital repayment mortgages — the most common type in the UK — where each monthly payment reduces both the interest and the outstanding balance. At the end of the term, the mortgage is fully repaid.
Interest-only mortgages have lower monthly payments (you pay only the interest, not the capital), but the full loan balance remains outstanding at the end of the term and must be repaid in full. The monthly interest-only payment is simply: loan × (annual rate ÷ 12). On a £300,000 mortgage at 5.5%, that is £300,000 × (0.055 ÷ 12) = £1,375/month — but you still owe £300,000 at the end.
How mortgage rates affect total cost
A small difference in rate has a large effect over 25–30 years. On a £300,000 mortgage over 25 years:
| Rate | Monthly payment | Total repaid | Total interest | vs 4% rate |
|---|---|---|---|---|
| 4.0% | £1,584 | £475,053 | £175,053 | £0 |
| 4.5% | £1,667 | £500,249 | £200,249 | +£25,196 |
| 5.0% | £1,754 | £526,131 | £226,131 | +£51,078 |
| 5.5% | £1,842 | £552,679 | £252,679 | +£77,626 |
| 6.0% | £1,933 | £579,871 | £279,871 | +£104,818 |
| 6.5% | £2,026 | £607,686 | £307,686 | +£132,633 |
| 7.0% | £2,120 | £636,101 | £336,101 | +£161,048 |
On a £300,000 mortgage over 25 years, the difference between a 4% rate and a 7% rate is £161,048 in total extra interest — nearly the same as the original loan. Shopping around for the best rate, and considering overpayments when rates fall, has a greater long-term impact than almost any other financial decision you can make.
Frequently asked questions
On a £200,000 repayment mortgage over 25 years, monthly payments range from £1,056 at 4% to £1,414 at 7%. At the current average rate of around 4.5–5%, expect to pay approximately £1,140–£1,169 per month. See the £200,000 table above for the full breakdown.
On a £300,000 repayment mortgage over 25 years, monthly payments range from £1,584 at 4% to £2,120 at 7%. At a mid-range rate of 5.5%, the monthly payment is £1,842. See the £300,000 table above.
The formula is: M = P × [r(1+r)ⁿ] / [(1+r)ⁿ − 1], where P is the loan principal, r is the monthly interest rate (annual rate ÷ 12), and n is the total number of months. For example, £250,000 at 5% over 25 years: r = 0.05/12 = 0.004167, n = 300, M = £1,461/month. Use our mortgage calculator for instant results.
Overpaying has a significant effect. On a £300,000 mortgage at 5.5% over 25 years, overpaying by £200/month reduces the term by approximately 5 years and saves over £30,000 in interest. Most UK lenders allow overpayments of up to 10% of the outstanding balance per year without a penalty. Use our mortgage calculator to model overpayment scenarios.
All figures in these tables are for capital repayment mortgages — each payment reduces both interest and the outstanding balance. Interest-only monthly payments are lower but leave the full loan outstanding at the end of the term.