How much would I pay on a £100,000 mortgage? Rates from 4.08%

1 - 14 of 1159

Name	Product	Initial rate	Revert rate (SVR)	Maximum LTV	Cashback	Apply link	Initial payment
CASHBACK Santander 02/09/2028 Fixed Santander 02/09/2028 Fixed Remortgaging	CASHBACK	4.08% fixed until 02/09/2028	7.5% variable	60%	Eligible customers can receive up to £250 cashback on completion. T&Cs apply.	Check eligibility View details	£743.70 5.7% APRC	loading Fetching your data...
Santander 02/09/2028 Fixed Santander 02/09/2028 Fixed First-time buyerHome mover		4.12% fixed until 02/09/2028	7.5% variable	60%		Check eligibility View details	£745.72 5.7% APRC	loading Fetching your data...
Santander 02/09/2028 Fixed Santander 02/09/2028 Fixed First-time buyerHome mover		4.18% fixed until 02/09/2028	7.5% variable	75%		Check eligibility View details	£748.74 5.8% APRC	loading Fetching your data...
CASHBACK Santander 02/09/2028 Fixed Santander 02/09/2028 Fixed Remortgaging	CASHBACK	4.18% fixed until 02/09/2028	7.5% variable	75%	Eligible customers can receive up to £250 cashback on completion. T&Cs apply.	Check eligibility View details	£748.74 5.8% APRC	loading Fetching your data...
CASHBACK Santander 02/09/2028 Fixed Santander 02/09/2028 Fixed Remortgaging	CASHBACK	4.23% fixed until 02/09/2028	7.5% variable	60%	Eligible customers can receive up to £250 cashback on completion. T&Cs apply.	Check eligibility View details	£751.27 5.7% APRC	loading Fetching your data...
CASHBACK Lloyds Bank 31/08/2028 Fixed Lloyds Bank 31/08/2028 Fixed Remortgaging	CASHBACK	4.24% fixed until 31/08/2028	7.99% variable	75%		Check eligibility View details	£751.77 6% APRC	loading Fetching your data...
CASHBACK Lloyds Bank 31/08/2028 Fixed Lloyds Bank 31/08/2028 Fixed Remortgaging	CASHBACK	4.24% fixed until 31/08/2028	7.99% variable	60%		Check eligibility View details	£751.77 6% APRC	loading Fetching your data...
Newbury Building Society 3 Years Discounted Variable Newbury Building Society 3 Years Discounted Variable First-time buyerHome mover		4.24% variable (SVR minus 2.01%) for 3 years	6.25% variable	75%		Check eligibility View details	£751.77 5.8% APRC	loading Fetching your data...
Newbury Building Society 3 Years Discounted Variable Newbury Building Society 3 Years Discounted Variable Remortgaging		4.24% variable (SVR minus 2.01%) for 3 years	6.25% variable	75%		Check eligibility View details	£751.77 5.8% APRC	loading Fetching your data...
Newbury Building Society 5 Years Discounted Variable Newbury Building Society 5 Years Discounted Variable Remortgaging		4.24% variable (SVR minus 2.01%) for 5 years	6.25% variable	75%		Check eligibility View details	£751.77 5.3% APRC	loading Fetching your data...
Newbury Building Society 3 Years Discounted Variable Newbury Building Society 3 Years Discounted Variable Remortgaging		4.24% variable (SVR minus 2.01%) for 3 years	6.25% variable	75%		Check eligibility View details	£751.77 5.7% APRC	loading Fetching your data...
Newbury Building Society 5 Years Discounted Variable Newbury Building Society 5 Years Discounted Variable First-time buyerHome moverRemortgaging		4.24% variable (SVR minus 2.01%) for 5 years	6.25% variable	75%		Check eligibility View details	£751.77 5.4% APRC	loading Fetching your data...
Newbury Building Society 5 Years Discounted Variable Newbury Building Society 5 Years Discounted Variable First-time buyerHome moverRemortgaging		4.24% variable (SVR minus 2.01%) for 5 years	6.25% variable	95%		Check eligibility View details	N/A Exceeds max. term	loading Fetching your data...
Santander 02/09/2028 Fixed Santander 02/09/2028 Fixed First-time buyerHome mover		4.28% fixed until 02/09/2028	7.5% variable	60%		Check eligibility View details	£753.80 5.7% APRC	loading Fetching your data...

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Overall representative example
If you borrow £178,000 over a 25-year term at 4.56% p.a. (fixed) for 60 months reverting to 7.50% p.a. (variable) for the remaining term, you would make 60 monthly payments of £995.45 and 240 monthly payments of £1261.11. The total payable would be £362,773.40, which includes the interest of £184,393, valuation fees of £0 and a product fee of £0. The overall cost for comparison is 6.4% APRC representative.

Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

You’ve found your dream home and now just need to sort your finances. Here’s our breakdown of what you might pay monthly, including interest, over the life of a £100,000 mortgage.

Monthly payments on a £100,000 mortgage

At a 4% fixed interest rate, your monthly mortgage payment on a 30-year mortgage might total £477.42 a month, while a 15-year might cost £739.69 a month.

Note that your monthly mortgage payments will vary depending on your interest rate, taxes and PMI, among related fees.

Interest	Mortgage term	Monthly payments
3.0%	15 years	£690.58
3.0%	30 years	£421.60
3.25%	15 years	£702.67
3.25%	30 years	£435.21
3.5%	15 years	£714.88
3.5%	30 years	£449.04
3.75%	15 years	£727.22
3.75%	30 years	£463.12
4.0%	15 years	£739.69
4.0%	30 years	£477.42
4.25%	15 years	£752.28
4.25%	30 years	£491.94
4.5%	15 years	£764.99
4.5%	30 years	£506.69
4.75%	15 years	£777.83
4.75%	30 years	£521.65
5.0%	15 years	£790.79
5.0%	30 years	£536.82
5.25%	15 years	£803.88
5.25%	30 years	£552.20
5.5%	15 years	£817.08
5.5%	30 years	£567.79

Your total interest on a £100,000 mortgage

On a 30-year mortgage with a 4% fixed interest rate, you’ll pay £71,869.51 in interest overall. That’s about two-thirds of what you borrowed in interest.

If you instead opt for a 15-year mortgage, you’ll pay £33,143.83 in interest overall, or about half of the interest you’d pay on a 30-year mortgage.

Interest	Mortgage term	Total interest charged
3.0%	15 years	£24,304.70
3.0%	30 years	£51,777.45
3.25%	15 years	£26,480.38
3.25%	30 years	£56,674.27
3.5%	15 years	£28,678.86
3.5%	30 years	£61,656.09
3.75%	15 years	£30,900.04
3.75%	30 years	£66,721.61
4.0%	15 years	£33,143.83
4.0%	30 years	£71,869.51
4.25%	15 years	£35,410.11
4.25%	30 years	£77,098.36
4.5%	15 years	£37,698.79
4.5%	30 years	£82,406.71
4.75%	15 years	£40,009.75
4.75%	30 years	£87,793.04
5.0%	15 years	£42,342.85
5.0%	30 years	£93,255.78
5.25%	15 years	£44,697.99
5.25%	30 years	£98,793.33
5.5%	15 years	£47,075.02
5.5%	30 years	£104,404.04

What is the total amount repayable?

When you take out a mortgage, you agree to pay the principal and interest over an agreed term. Your interest rate is applied to your balance and as you pay down your balance, the amount you pay in interest changes.

This means that at the beginning of your mortgage, a big percentage of your payment is applied to interest. With each subsequent payment, you pay more towards your balance.

Estimate your monthly repayments on a £100,000 mortgage at 4% fixed interest with our total amount repayable over 15 and 30 years.

15-year term
30-year term

Year	Beginning balance	Total interest paid	Total principal paid	Remaining balance
1	£100,000.00	£3,909.61	£4,966.67	£95,033.35
2	£95,033.35	£3,707.25	£5,169.03	£89,864.34
3	£89,864.34	£3,496.65	£5,379.63	£84,484.75
4	£84,484.75	£3,277.51	£5,598.77	£78,885.98
5	£78,885.98	£3,049.37	£5,826.91	£73,059.11
6	£73,059.11	£2,811.99	£6,064.29	£66,994.84
7	£66,994.84	£2,564.92	£6,311.36	£60,683.50
8	£60,683.50	£2,307.79	£6,568.49	£54,115.03
9	£54,115.03	£2,040.17	£6,836.11	£47,278.96
10	£47,278.96	£1,761.68	£7,114.60	£40,164.37
11	£40,164.37	£1,471.79	£7,404.49	£32,759.92
12	£32,759.92	£1,170.13	£7,706.15	£25,053.80
13	£25,053.80	£856.18	£8,020.10	£17,033.72
14	£17,033.72	£529.43	£8,346.85	£8,686.89
15	£8,686.89	£189.38	£8,686.90	£0.00

Year	Beginning balance	Total interest paid	Total principal paid	Remaining balance
1	£100,000.00	£3,967.95	£1,761.09	£98,238.96
2	£98,238.96	£3,896.19	£1,832.85	£96,406.18
3	£96,406.18	£3,821.53	£1,907.51	£94,498.73
4	£94,498.73	£3,743.82	£1,985.22	£92,513.56
5	£92,513.56	£3,662.94	£2,066.10	£90,447.51
6	£90,447.51	£3,578.77	£2,150.27	£88,297.29
7	£88,297.29	£3,491.15	£2,237.89	£86,059.47
8	£86,059.47	£3,399.97	£2,329.07	£83,730.48
9	£83,730.48	£3,305.09	£2,423.95	£81,306.59
10	£81,306.59	£3,206.35	£2,522.69	£78,783.96
11	£78,783.96	£3,103.56	£2,625.48	£76,158.55
12	£76,158.55	£2,996.62	£2,732.42	£73,426.17
13	£73,426.17	£2,885.29	£2,843.75	£70,582.48
14	£70,582.48	£2,769.43	£2,959.61	£67,622.93
15	£67,622.93	£2,648.85	£3,080.19	£64,542.80
16	£64,542.80	£2,523.36	£3,205.68	£61,337.18
17	£61,337.18	£2,392.76	£3,336.28	£58,000.96
18	£58,000.96	£2,256.84	£3,472.20	£54,528.82
19	£54,528.82	£2,115.38	£3,613.66	£50,915.22
20	£50,915.22	£1,968.16	£3,760.88	£47,154.39
21	£47,154.39	£1,814.93	£3,914.11	£43,240.34
22	£43,240.34	£1,655.46	£4,073.58	£39,166.83
23	£39,166.83	£1,489.52	£4,239.52	£34,927.36
24	£34,927.36	£1,316.79	£4,412.25	£30,515.16
25	£30,515.16	£1,137.01	£4,592.03	£25,923.21
26	£25,923.21	£949.95	£4,779.09	£21,144.17
27	£21,144.17	£755.23	£4,973.81	£16,170.42
28	£16,170.42	£552.61	£5,176.43	£10,994.04
29	£10,994.04	£341.70	£5,387.34	£5,606.76
30	£5,606.76	£122.23	£5,606.81	£0.00

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you.

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Matthew Boyle

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Matthew Boyle is a banking and mortgages publisher at Finder. He has a 7-year history of publishing helpful guides to assist consumers in making better decisions. In his spare time, you will find him walking in the Norfolk countryside admiring the local wildlife.

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How much would I pay on a £100,000 mortgage?

A breakdown of what you might face monthly on a £100,000 mortgage, with rates starting at 4.08%.

Check eligibility for a £100,000 mortgage

Check eligibility for a £100,000 mortgage