Updated for 2026/27
Monthly payment on a £280,000 mortgage
Quick answer
A £280,000 repayment mortgage over 25 years at 5% costs about £1,637 a month. Over the full term you'd repay £491,056 in total, including £211,056 of interest.
Reviewed by TaxFly Editorial Team
How we calculate
- Mortgage amount
- £280,000
- Interest rate
- 5%
- Term
- 25 years
- Total interest
- £211,056
- Monthly payment
- £1,637
What are the monthly repayments on a £280,000 mortgage?
A £280,000 repayment mortgage at 5% over 25 years works out to roughly £1,637 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% | £1,478 | £1,337 |
| 4.5% | £1,556 | £1,419 |
| 5.0% | £1,637 | £1,503 |
| 5.5% | £1,719 | £1,590 |
| 6.0% | £1,804 | £1,679 |
How much interest will you pay?
Over the 25-year term you'd pay about £211,056 in interest on top of the £280,000 borrowed — a total of £491,056. 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 £1,637 a month on a 25-year repayment mortgage at 5%. A different rate or term changes this — see the table above.
Around £211,056 over 25 years at 5%, making £491,056 repaid in total.
Lenders typically cap borrowing at about 4.5× income, so roughly £62,222 household income — though this varies. Check affordability on our mortgage tools.
