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Compare fixed illustrative repayment mortgage amounts and terms; this does not assess affordability or show lender offers.
Website updated 24 October 2026. Loan amount only. Repayment mortgage at fixed illustrative rates. No fees, live offers or lender decision.
£200,000 is the loan principal, not the property's asking price. This generic repayment illustration is the same across England, Wales, Scotland and Northern Ireland. Rates are examples, not live lender offers or an affordability assessment; the table and method below explain the assumptions and exclusions.
Monthly payment estimates for each fixed rate and term combination.
| Term | 3.5% | 4.5% | 6.0% |
|---|---|---|---|
| 25 years | £1,001.25 | £1,111.66 | £1,288.60 |
| 30 years | £898.09 | £1,013.37 | £1,199.10 |
The loan amount is held at £200,000; rates are fixed illustrations, not lender offers. Exact repayments are in the table above.
Assumes the same monthly repayment for the entire term, with no fees, overpayments or rate changes.
Modelled interest = (monthly payment × number of months) − starting loan amount.
| Measure | 3.5% rate | 4.5% rate | 6.0% rate |
|---|---|---|---|
| 25-year term | £100,374.14 | £133,499.49 | £186,580.84 |
| 30-year term | £123,312.18 | £164,813.42 | £231,676.38 |
Stacked total scheduled payments show how the loan amount and modelled interest contribute to lifetime cost.
Full-term scheduled totals from the monthly-payment formula; excludes fees and changes to the fixed illustrative rate.
| Measure | 25 years at 3.5% | 25 years at 4.5% | 25 years at 6.0% | 30 years at 3.5% | 30 years at 4.5% | 30 years at 6.0% |
|---|---|---|---|---|---|---|
| Loan amount repaid | £200,000.00 | £200,000.00 | £200,000.00 | £200,000.00 | £200,000.00 | £200,000.00 |
| Modelled interest | £100,374.14 | £133,499.49 | £186,580.84 | £123,312.18 | £164,813.42 | £231,676.38 |
| Total scheduled repayments | £300,374.14 | £333,499.49 | £386,580.84 | £323,312.18 | £364,813.42 | £431,676.38 |
How the repayment and interest figures are modelled.
Each estimate uses a standard repayment mortgage formula. The nominal annual rate is divided into monthly periods, and the payment is calculated to repay the stated loan over 25 or 30 years. Total modelled interest is the scheduled monthly payment multiplied by the number of months, minus the original loan amount. The calculation holds the rate and payment schedule constant and excludes fees, overpayments, missed payments, insurance and future rate changes. The rates are fixed examples, not current market quotes or an affordability assessment.
Model affordability, deposit, and stress-rate scenarios.
These official sources support the affordability, rate and purchase-cost boundaries described on this scenario page.