Mortgage payments2 min read · Updated 19 October 2026
£250,000 mortgage: monthly payments at 3.5% to 6%
Monthly repayments on a £250,000 repayment mortgage over 25 and 30 years at rates from 3.5% to 6%, with total interest.
Monthly payment by rate
| Rate | 25 years / 30 years |
| 3.5% | £1,252 / £1,123 |
| 4% | £1,320 / £1,194 |
| 4.5% | £1,390 / £1,267 |
| 5% | £1,461 / £1,342 |
| 5.5% | £1,535 / £1,419 |
| 6% | £1,611 / £1,499 |
Total interest
At 5% over 25 years you pay about £188,443 in interest on £250,000. Over 30 years it is about £233,139.
Which rate to use
Use the rate on your mortgage offer or a lender quote. Many deals fix the rate for two or five years, then move to a higher standard variable rate, so plan for a remortgage.
Common questions
What is the monthly payment on a £250,000 mortgage?
At 5% over 25 years, about £1,461 a month on a repayment mortgage.
Is a 25 or 30 year mortgage better?
Longer lowers the monthly payment and raises total interest. Choose the term you can afford and overpay when you can.
Does this include fees?
No. It is the monthly repayment only.