How much does a £80,000 mortgage cost per month?

On a 25-year repayment mortgage at 4.5%, a £80,000 mortgage costs about £445 per month.

What income do you need for a £80,000 mortgage?

Most UK lenders cap borrowing at 4.5× income, so a £80,000 mortgage typically needs a household income of around £17,778.

£80,000 mortgage calculator

Monthly repayments, total interest and deposit scenarios for a £80,000 UK mortgage.

Quick start — mortgage amount

How much can you borrow?

Your annual income

Partner's income (if joint)

Deposit

Typical borrowing (4.5× income)

£247,500

Max property price

£247,500

Some lenders stretch to 5× (£275,000) if income is over £75k or debt-free.

Monthly repayment

Purchase price

Interest rate (%)

Term (years)

Loan £80,000 · LTV 100% (rates rise sharply above 90% LTV)

Monthly payment

£405

Total interest over term: £65,925

If the rate changes

3.5%£359/mo

4.5%£405/mo

6.5%£506/mo

Notes

4.5× income is the standard FCA/PRA cap. Lenders can lend 15% of new loans above 4.5×, so a small number stretch to 5–5.5× for high earners.
LTV bands typically price at 60%, 75%, 80%, 85%, 90% and 95%. Crossing a band down can save 0.3–0.6% on the rate.
Stress test: most lenders assume rate = product rate + 1% for affordability.
This is an estimate. Speak to an FCA-authorised broker for a decision in principle.

How much does a £80,000 mortgage cost?

On a 25-year repayment mortgage at 4.5%, a £80,000 mortgage costs around £445 a month, with £53,400 of interest over the full term. The figures below update automatically for different rates, terms and deposit sizes.

Monthly repayments on a £80,000 mortgage

Rate	15 yrs	20 yrs	25 yrs	30 yrs	35 yrs
4.0%	£592	£485	£422	£382	£354
4.5%	£612	£506	£445	£405	£379
5.0%	£633	£528	£468	£429	£404
5.5%	£654	£550	£491	£454	£430
6.0%	£675	£573	£515	£480	£456

Total interest on a £80,000 mortgage

15-year term at 4.5%£30,159 interest · £110,159 repaid
20-year term at 4.5%£41,469 interest · £121,469 repaid
25-year term at 4.5%£53,400 interest · £133,400 repaid
30-year term at 4.5%£65,925 interest · £145,925 repaid
35-year term at 4.5%£79,014 interest · £159,014 repaid

Shortening the term on a £80,000 mortgage from 35 to 25 years saves roughly £25,614 in interest.

Example scenarios for a £80,000 mortgage

5% deposit: buy at about £84,211 with a £4,211 deposit — 95% LTV, around £445/month at 4.5%.
10% deposit: buy at about £88,889 with a £8,889 deposit — 90% LTV, around £445/month at 4.5%.
15% deposit: buy at about £94,118 with a £14,118 deposit — 85% LTV, around £445/month at 4.5%.
25% deposit: buy at about £106,667 with a £26,667 deposit — 75% LTV, around £445/month at 4.5%.
Income needed: most lenders cap at 4.5× income, so a £80,000 mortgage typically needs a household income of about £17,778.
If rates rise 1%: repayments move from £445 to £491 a month — £47 more.
Overpaying £100/month: on £80,000 at 4.5% you would clear the loan meaningfully earlier and cut interest — most lenders allow 10% overpayment a year penalty-free.

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Other mortgage amounts

£50k mortgage £90k mortgage £100k mortgage £150k mortgage £200k mortgage £250k mortgage

Is a £80,000 mortgage affordable?

Lenders typically cap borrowing at 4.5 times household income, so a £80,000 mortgage usually needs an income around £17,778 plus a deposit on top.

Check the payment at a rate 1–2 points higher than today's — that is your renewal risk.
A larger deposit moves you into a cheaper loan to value band and cuts the monthly cost.
Extending the term reduces the monthly payment but adds significantly to total interest.
Budget stamp duty, legal fees, survey and removals separately from the mortgage.

Frequently asked questions

How much does a £80,000 mortgage cost per month?: On a 25-year repayment mortgage at 4.5%, a £80,000 mortgage costs about £445 per month. The table above shows other rates and terms.
What income do you need for a £80,000 mortgage?: At the common 4.5x income multiple you would need a household income of roughly £17,778, subject to affordability checks on your outgoings and credit commitments.
What deposit do I need alongside a £80,000 mortgage?: A 10% deposit on a purchase funded by a £80,000 mortgage is around £8,889, giving a 90% loan to value. A 25% deposit gets the cheapest rates.
How much interest will I pay on a £80,000 mortgage?: Over 25 years at 4.5% you would repay roughly £53,400 in interest on top of the £80,000 borrowed.