Updated for 2026/27
Monthly payment on a £130,000 mortgage
Quick answer
A £130,000 repayment mortgage over 25 years at 5% costs about £760 a month. Over the full term you'd repay £227,990 in total, including £97,990 of interest.
Reviewed by TaxFly Editorial Team
How we calculate
- Mortgage amount
- £130,000
- Interest rate
- 5%
- Term
- 25 years
- Total interest
- £97,990
- Monthly payment
- £760
What are the monthly repayments on a £130,000 mortgage?
A £130,000 repayment mortgage at 5% over 25 years works out to roughly £760 a month. The rate you're offered makes a big difference, so here's how the monthly payment changes:
| Rate | 25-yr monthly | 30-yr monthly |
|---|---|---|
| 4.0% | £686 | £621 |
| 4.5% | £723 | £659 |
| 5.0% | £760 | £698 |
| 5.5% | £798 | £738 |
| 6.0% | £838 | £779 |
How much interest will you pay?
Over the 25-year term you'd pay about £97,990 in interest on top of the £130,000 borrowed — a total of £227,990. Overpaying even a small amount each month can cut years off the term and save thousands. Model overpayments and compare deals on the mortgage calculator.
Other mortgage amounts
Frequently asked questions
About £760 a month on a 25-year repayment mortgage at 5%. A different rate or term changes this — see the table above.
Around £97,990 over 25 years at 5%, making £227,990 repaid in total.
Lenders typically cap borrowing at about 4.5× income, so roughly £28,889 household income — though this varies. Check affordability on our mortgage tools.
