£210,000 Mortgage Repayments (2026)
A £210,000 repayment mortgage at 5% over 25 years costs £1,228 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% | £1,501 | £1,218 | £1,051 | £943 | £868 |
| 4% | £1,553 | £1,273 | £1,108 | £1,003 | £930 |
| 4.5% | £1,606 | £1,329 | £1,167 | £1,064 | £994 |
| 5% | £1,661 | £1,386 | £1,228 | £1,127 | £1,060 |
| 5.5% | £1,716 | £1,445 | £1,290 | £1,192 | £1,128 |
| 6% | £1,772 | £1,505 | £1,353 | £1,259 | £1,197 |
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 £210,000 mortgage?
At a 5% interest rate over 25 years, a £210,000 repayment mortgage costs £1,228 a month — £368,292 repaid in total over the term. At 4% the same mortgage is £1,108 a month, and stretching to 30 years at 5% lowers the payment to £1,127.
How does the term length change the cost?
Longer terms cut the monthly payment but increase the total interest dramatically. On £210,000 at 5%, a 15-year term costs £1,661 a month (£298,920 total), while a 35-year term costs £1,060 a month but £445,135 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.