£425,000 Mortgage Repayments (2026)
A £425,000 repayment mortgage at 5% over 25 years costs £2,485 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% | £3,038 | £2,465 | £2,128 | £1,908 | £1,756 |
| 4% | £3,144 | £2,575 | £2,243 | £2,029 | £1,882 |
| 4.5% | £3,251 | £2,689 | £2,362 | £2,153 | £2,011 |
| 5% | £3,361 | £2,805 | £2,485 | £2,281 | £2,145 |
| 5.5% | £3,473 | £2,924 | £2,610 | £2,413 | £2,282 |
| 6% | £3,586 | £3,045 | £2,738 | £2,548 | £2,423 |
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 £425,000 mortgage?
At a 5% interest rate over 25 years, a £425,000 repayment mortgage costs £2,485 a month — £745,352 repaid in total over the term. At 4% the same mortgage is £2,243 a month, and stretching to 30 years at 5% lowers the payment to £2,281.
How does the term length change the cost?
Longer terms cut the monthly payment but increase the total interest dramatically. On £425,000 at 5%, a 15-year term costs £3,361 a month (£604,957 total), while a 35-year term costs £2,145 a month but £900,867 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.