£80,000 mortgage: monthly payments
Borrowing £80,000? At 4.5% over 25 years you would pay £444.67 a month. Every rate and term is compared below.
- At 4.5% over 25 years
- £445 a month
- Total interest
- £53,401
- Income needed (4.5x)
- £17,778
- Overpay £50 a month
- save £10,151
- HMRC 2026/27 rates
- Private: nothing leaves your device
- Free, no sign-up
A £80,000 repayment mortgage at 4.5% over 25 years costs £444.67 a month. You would repay £133,401 in total, of which £53,401 is interest.
Monthly payments on £80,000 by rate and term
| Rate | 20 years | 25 years | 30 years | 35 years |
|---|---|---|---|---|
| 3.5% | £464 | £401 | £359 | £331 |
| 4% | £485 | £422 | £382 | £354 |
| 4.5% | £506 | £445 | £405 | £379 |
| 5% | £528 | £468 | £429 | £404 |
| 5.5% | £550 | £491 | £454 | £430 |
| 6% | £573 | £515 | £480 | £456 |
How £80,000 is paid off over 25 years
- Balance still owed
- Interest paid so far
Total interest on £80,000 by term
A longer term lowers the monthly payment but adds interest. Stretching from 25 to 35 years saves £66 a month and costs £25,615 more overall.
Keep going
- Income needed: what £20,000 a year can borrow.
- With a 10% deposit £80,000 buys about £90,000. Stamp duty on £100,000 is £0 for a home mover.
- Nearby amounts: £50,000, £60,000, £70,000, £90,000, £100,000, £110,000.
Questions people ask
What are the monthly payments on a £80,000 mortgage?
£444.67 a month on a 25 year repayment mortgage at 4.5%. At 4% it is £422.27 and at 5% it is £467.67. Interest only at 4.5% would be £300.00.
What salary do I need for a £80,000 mortgage?
At the usual 4.5 times income, about £17,778 for a single buyer or a joint household income. Some lenders go to 5 or 5.5 times, which would need around £14,545.
How much does overpaying a £80,000 mortgage save?
Paying £50 extra a month at 4.5% clears it about 4 years 2 months early and saves roughly £10,151 in interest. Check your lender's overpayment limit, often 10% a year on fixed deals.