£800,000 Mortgage Repayments (2026)
A £800,000 repayment mortgage at 5% over 25 years costs £4,677 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% | £5,719 | £4,640 | £4,005 | £3,592 | £3,306 |
| 4% | £5,918 | £4,848 | £4,223 | £3,819 | £3,542 |
| 4.5% | £6,120 | £5,061 | £4,447 | £4,053 | £3,786 |
| 5% | £6,326 | £5,280 | £4,677 | £4,295 | £4,038 |
| 5.5% | £6,537 | £5,503 | £4,913 | £4,542 | £4,296 |
| 6% | £6,751 | £5,731 | £5,154 | £4,796 | £4,562 |
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 £800,000 mortgage?
At a 5% interest rate over 25 years, a £800,000 repayment mortgage costs £4,677 a month — £1,403,016 repaid in total over the term. At 4% the same mortgage is £4,223 a month, and stretching to 30 years at 5% lowers the payment to £4,295.
How does the term length change the cost?
Longer terms cut the monthly payment but increase the total interest dramatically. On £800,000 at 5%, a 15-year term costs £6,326 a month (£1,138,743 total), while a 35-year term costs £4,038 a month but £1,695,751 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.