£80,000 Mortgage Repayments (2026)
A £80,000 repayment mortgage at 5% over 25 years costs £468 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% | £572 | £464 | £400 | £359 | £331 |
| 4% | £592 | £485 | £422 | £382 | £354 |
| 4.5% | £612 | £506 | £445 | £405 | £379 |
| 5% | £633 | £528 | £468 | £429 | £404 |
| 5.5% | £654 | £550 | £491 | £454 | £430 |
| 6% | £675 | £573 | £515 | £480 | £456 |
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 £80,000 mortgage?
At a 5% interest rate over 25 years, a £80,000 repayment mortgage costs £468 a month — £140,302 repaid in total over the term. At 4% the same mortgage is £422 a month, and stretching to 30 years at 5% lowers the payment to £429.
How does the term length change the cost?
Longer terms cut the monthly payment but increase the total interest dramatically. On £80,000 at 5%, a 15-year term costs £633 a month (£113,874 total), while a 35-year term costs £404 a month but £169,575 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.