£330,000 Mortgage Repayments (2026)
A £330,000 repayment mortgage at 5% over 25 years costs £1,929 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% | £2,359 | £1,914 | £1,652 | £1,482 | £1,364 |
| 4% | £2,441 | £2,000 | £1,742 | £1,575 | £1,461 |
| 4.5% | £2,524 | £2,088 | £1,834 | £1,672 | £1,562 |
| 5% | £2,610 | £2,178 | £1,929 | £1,772 | £1,665 |
| 5.5% | £2,696 | £2,270 | £2,026 | £1,874 | £1,772 |
| 6% | £2,785 | £2,364 | £2,126 | £1,979 | £1,882 |
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 £330,000 mortgage?
At a 5% interest rate over 25 years, a £330,000 repayment mortgage costs £1,929 a month — £578,744 repaid in total over the term. At 4% the same mortgage is £1,742 a month, and stretching to 30 years at 5% lowers the payment to £1,772.
How does the term length change the cost?
Longer terms cut the monthly payment but increase the total interest dramatically. On £330,000 at 5%, a 15-year term costs £2,610 a month (£469,731 total), while a 35-year term costs £1,665 a month but £699,497 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.