£180,000 Mortgage Repayments (2026)
A £180,000 repayment mortgage at 5% over 25 years costs £1,052 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% | £1,287 | £1,044 | £901 | £808 | £744 |
| 4% | £1,331 | £1,091 | £950 | £859 | £797 |
| 4.5% | £1,377 | £1,139 | £1,000 | £912 | £852 |
| 5% | £1,423 | £1,188 | £1,052 | £966 | £908 |
| 5.5% | £1,471 | £1,238 | £1,105 | £1,022 | £967 |
| 6% | £1,519 | £1,290 | £1,160 | £1,079 | £1,026 |
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 £180,000 mortgage?
At a 5% interest rate over 25 years, a £180,000 repayment mortgage costs £1,052 a month — £315,679 repaid in total over the term. At 4% the same mortgage is £950 a month, and stretching to 30 years at 5% lowers the payment to £966.
How does the term length change the cost?
Longer terms cut the monthly payment but increase the total interest dramatically. On £180,000 at 5%, a 15-year term costs £1,423 a month (£256,217 total), while a 35-year term costs £908 a month but £381,544 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.