Monthly Repayments on a £100,000 Mortgage
A £100,000 mortgage costs around £556 a month at 4.5% over 25 years, with rates typically ranging 4%-5.5% in 2026. Use the tables below to see the exact monthly cost at any rate or term. Last reviewed July 2026.
Quick answer: at a representative 4.5% rate over 25 years, a £100,000 repayment mortgage costs £556 a month. Rates typically range from around 4% to 5.5% in 2026 — see how that changes your payment in the table below.
£100,000 Mortgage Monthly Repayments by Rate and Term
Monthly cost of a £100,000 repayment (capital and interest) mortgage. Figures are rounded to the nearest £.
| Rate | 15 years | 20 years | 25 years | 30 years | 35 years |
|---|---|---|---|---|---|
| 3.5% | £715 | £580 | £501 | £449 | £413 |
| 4.0% | £740 | £606 | £528 | £477 | £443 |
| 4.5% | £765 | £633 | £556 | £507 | £473 |
| 5.0% | £791 | £660 | £585 | £537 | £505 |
| 5.5% | £817 | £688 | £614 | £568 | £537 |
| 6.0% | £844 | £716 | £644 | £600 | £570 |
Interest-Only Comparison
With interest-only, you pay only the interest each month and still owe the full £100,000at the end of the term — the monthly cost doesn't depend on the term length.
| 3.5% | 4.0% | 4.5% | 5.0% | 5.5% | 6.0% |
|---|---|---|---|---|---|
| £292/mo | £333/mo | £375/mo | £417/mo | £458/mo | £500/mo |
Total Repaid and Total Interest Over the Term
Over the full 25-year term, here's how much you'd actually pay back at two common rates.
4.5% over 25 years
- Monthly payment
- £556
- Total repaid
- £166,800
- Total interest
- £66,800
5.5% over 25 years
- Monthly payment
- £614
- Total repaid
- £184,200
- Total interest
- £84,200
Paying even a small amount extra each month can cut years off a £100,000 mortgage and save a substantial amount in interest, because overpayments come straight off the capital. Use the mortgage overpayment calculator to see exactly how much time and interest you could save.
Wondering what income you'd need to borrow £100,000? See what salary you need for a £100k mortgage.
Frequently Asked Questions
How much a month is a £100,000 mortgage?
At 4.5% over 25 years, a £100,000 mortgage costs £556 a month. At 4.0% it's £528, and at 5.0% it's £585. The exact figure depends on the rate and term your lender offers, which is why it's worth comparing across the full rate range.
What are the repayments on £100,000 over 30 years?
Over 30 years, monthly repayments on a £100,000 mortgage range from £449 at 3.5% up to £600 at 6.0%. At a typical 4.5% rate, that's £507 a month — lower than the 25-year figure of £556, because the loan is spread over more months, though you'll pay more interest overall.
How much interest will I pay on a £100,000 mortgage?
Over 25 years at 4.5%, total interest on a £100,000 mortgage is £66,800 (total repaid £166,800). At 5.5%, interest rises to £84,200 (total repaid £184,200). Overpaying, even by a small amount each month, reduces this significantly.
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