£570,000 Mortgage Repayments (2026)
A £570,000 repayment mortgage at 5% over 25 years costs £3,332 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% | £4,075 | £3,306 | £2,854 | £2,560 | £2,356 |
| 4% | £4,216 | £3,454 | £3,009 | £2,721 | £2,524 |
| 4.5% | £4,360 | £3,606 | £3,168 | £2,888 | £2,698 |
| 5% | £4,508 | £3,762 | £3,332 | £3,060 | £2,877 |
| 5.5% | £4,657 | £3,921 | £3,500 | £3,236 | £3,061 |
| 6% | £4,810 | £4,084 | £3,673 | £3,417 | £3,250 |
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 £570,000 mortgage?
At a 5% interest rate over 25 years, a £570,000 repayment mortgage costs £3,332 a month — £999,649 repaid in total over the term. At 4% the same mortgage is £3,009 a month, and stretching to 30 years at 5% lowers the payment to £3,060.
How does the term length change the cost?
Longer terms cut the monthly payment but increase the total interest dramatically. On £570,000 at 5%, a 15-year term costs £4,508 a month (£811,354 total), while a 35-year term costs £2,877 a month but £1,208,222 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.