£100,000 Mortgage Repayments (2026)
A £100,000 repayment mortgage at 5% over 25 years costs £585 a month. The table below covers rates from 3.5% to 6% and terms from 15 to 35 years.
| Rate | 15 yrs | 20 yrs | 25 yrs | 30 yrs | 35 yrs |
|---|---|---|---|---|---|
| 3.5% | £715 | £580 | £501 | £449 | £413 |
| 4% | £740 | £606 | £528 | £477 | £443 |
| 4.5% | £765 | £633 | £556 | £507 | £473 |
| 5% | £791 | £660 | £585 | £537 | £505 |
| 5.5% | £817 | £688 | £614 | £568 | £537 |
| 6% | £844 | £716 | £644 | £600 | £570 |
Different amount or rate? Use the mortgage repayment calculator.
How it's worked out
Figures use the standard repayment-mortgage formula (capital and interest, equal monthly payments): payment = loan × monthly rate ÷ (1 − (1 + monthly rate)−months). They assume the rate stays the same for the whole term — in practice you'll re-fix every few years. Product fees, valuation fees and overpayments are not included.
FAQ
What are the monthly repayments on a £100,000 mortgage?
At a 5% interest rate over 25 years, a £100,000 repayment mortgage costs £585 a month — £175,377 repaid in total over the term. At 4% the same mortgage is £528 a month, and stretching to 30 years at 5% lowers the payment to £537.
How does the term length change the cost?
Longer terms cut the monthly payment but increase the total interest dramatically. On £100,000 at 5%, a 15-year term costs £791 a month (£142,343 total), while a 35-year term costs £505 a month but £211,969 in total — the longer term repays far more interest for the same loan.
Are these figures exact quotes?
No — they are standard repayment-mortgage arithmetic (capital and interest, fixed rate for the whole term) to help you budget. A real offer depends on your deal period, fees, loan-to-value and credit profile, and rates change when a fixed deal ends. Interest-only mortgages cost less per month but repay none of the capital.