£25,000 Mortgage Repayments (2026)
A £25,000 repayment mortgage at 5% over 25 years costs £146 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% | £179 | £145 | £125 | £112 | £103 |
| 4% | £185 | £151 | £132 | £119 | £111 |
| 4.5% | £191 | £158 | £139 | £127 | £118 |
| 5% | £198 | £165 | £146 | £134 | £126 |
| 5.5% | £204 | £172 | £154 | £142 | £134 |
| 6% | £211 | £179 | £161 | £150 | £143 |
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 £25,000 mortgage?
At a 5% interest rate over 25 years, a £25,000 repayment mortgage costs £146 a month — £43,844 repaid in total over the term. At 4% the same mortgage is £132 a month, and stretching to 30 years at 5% lowers the payment to £134.
How does the term length change the cost?
Longer terms cut the monthly payment but increase the total interest dramatically. On £25,000 at 5%, a 15-year term costs £198 a month (£35,586 total), while a 35-year term costs £126 a month but £52,992 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.