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What are the Repayments on a 180k Mortgage?

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At Ascot Mortgages, we’re here to guide you at every turn, ensuring your home-buying process is a breeze. Whether you’re contemplating taking out a £180,000 mortgage or simply seeking to understand the repayment dynamics on such an amount, this is the perfect resource for you.

What Our Clients Say About Us

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Rachael G.
Fabulous service from Natalia and Matthew, extremely professional and friendly, kept us up to date with everything and nothing was too much trouble. Highly recommended
Chris H.
Im a first time buyer and have been dealing with Natalia from Ascot mortgages. She has been great and has made this process very easy and stress free. There has been no pressure and total clarity and she has been a pleasure to deal with. Always very quick to respond to emails and readily contactable by phone. I would definitely recommend them and in particular, Natalia.
Natalie B.
As a solo buyer, Courtney’s advice has been absolutely invaluable. She is highly professional yet incredibly approachable, always taking the time to answer any question—no matter how big or small. She explores all options thoroughly, and I completely trust her guidance.From supporting me with putting an offer on a house to explaining mortgage rates, income protection, and so much more, Courtney has been exceptional every step of the way. The ability to WhatsApp her with questions and receive timely updates has made the entire process seamless and stress-free.I’ve already recommended Courtney and Ascot Mortgages to friends, and I wouldn’t hesitate to use her again in the future. If you’re looking for a knowledgeable, supportive, and dedicated mortgage advisor, I highly recommend her!
Sam K.
Recently used Ascot Mortgages for our remortgage. Natalia dealt with our remortgage, she took all the stress away and we didn't have much to do as she took care of it all, really nice and helpful, she answered all questions that we had quickly. All went smoothly. Highly recommend.
Danny B.
Approaching 3 years now using Alison and team at Ascot. I can’t speak highly enough of the whole group. As a busy property investor, having an accessible, proactive and results focused team at the end of the phone eliminates the stress and challenges with mortgage applications and securing the best deal to suit my ever-changing strategic needs. I’ve always been impressed with the teams ability to help me work through different lenders criteria and ensure I achieve the best products and outcomes for my business, the team truly are worth their weight in gold and I can’t thank them enough for their partnership over the last few years.
Kieran H.
I’ve recently used ascot mortgages to get a mortgage on my second home. Phil and Matthew were brilliant, kept us up to date all throughout the process and quickly answered any questions we had. I would definitely recommend
Adrian L.
I had previously used Ascot to find a good mortgage deal and approached them to do so again in more complex circumstances. They took the challenge on and, having found an interested lender, worked hard to bring it to a successful completion, overcoming any external obstacles that arose. Thank you Natalia and Matt.
Rachael D.
We’ve worked with Alison at Ascot Mortgages on multiple occasions, and every time she’s been incredible. Alison is so easy to work with—she’s professional, patient, and always makes sure we understand every step. She found us great rates and made what could be a stressful process feel smooth and manageable. We’re so grateful for her and the teams help and wouldn’t trust anyone else with our mortgage needs!
Caroline C.
Explained every step clearly to me of buying my house. Explaining what and why solicitors and other companies involved are asking of me and why and always saying to contact them with any questions. Made me feel very supported and secure will definitely recommend and use again.
Areti D.
I can't say enough about the excellent care I received from my Ascot Mortgages, particularly Richard. From the start, his professionalism, friendliness, and genuine support were evident. Richard went above and beyond to explain everything in detail, making me feel totally informed and at ease throughout the process. His skill and attention to detail were obvious, but it was his personal touch and desire to go above and beyond that truly stood out. I felt totally cared for and supported. Highly recommend to anyone searching for excellent advice and service!
Stephen J.
I have worked with Ascot Mortgages for over 5 years now. They’ve helped me secure over 10 mortgages in that time.Recently I’ve been working a lot with Natalia Barry and Matthew Bradburn, who have both been outstanding. Whenever I have a question, they always have the answer immediately or will find it very quickly.For anyone in search of a friendly, reliable service, Ascot Mortgages are definitely right for you.
Chelsea O.
An excellent company, so welcoming from the get go. Thanks to Jardelle for helping me secure my first mortgage, always kept me upto date. 100% recommended, they take that extra stress away form you. You'll definitely here from me again when it's time to remortgage 🙂
Michael Y.
Ascot Mortgages were absolutely fantastic in helping me secure a buy to let mortgage. Natalia was amazing throughout the whole process and always made herself available for any issues that I had, along with Matthew.Couldn’t thank them both enough for securing my mortgage on what was such a complex case and will 100% be using them in the future.
kami R.
Wow what a great company and peopledidn’t expect getting a mortgage and buying a house would be so easy, Tracey and Richard are extremely professionalmade the entire process so easyDeserve more than 5 stars !!!!!!! Alison should be proud 🙏🏼
Daniel G.
Can't thank Phil Greenwood and the Ascot Mortgage team enough. Im a returning customer who has used them for many commercial mortgages and ive also worked with Phil on both commercial and personal Bridging Finance. Everything is explained and if we hit a hurdle Ascot are looking for other options or alternatives. 5 star service in every manner. Fee's are discussed and always competitive so Ive never had to look elsewhere. Will continue to used Ascot for every aspect of lending I need.
Claire M.
Alison has been looking after my mortgage requirements over many years and is approachable knowlegable and professional. She has found me the right mortgage every time and I have recommended her to my friends and they too have only good things to say about their experience of what can be a very stressful time.If you want a clear, down to earth and friendly service, you should give Alison and her team the chance to help you. You won't be dissapointed.
Oliver B.
Natalia and Matt at Ascot Mortgages are fantastic. 10/10 customer service. Natalia couldn’t do more to help us and Matt was fantastic at making sure the process was running smoothly. I will definitely be using them again.
Fatima B.
Did a remortgage application with Phil and Matthew, got the best service, very friendly and efficient, very supportive and kept myself update with progress with the application. Highly recommend
Molllie C.
Ascots mortgages really helped with my first house purchase and getting on the ladder. I had a complicated case but my case manager Phil greenwood handled it really well, answering all my questions and there were many. 100% I would recommend
Louise O.
Another great mortgage sourced for me by Ascot Mortgages. Definitely my "go to" mortgage broker. Phil Greenwood is knowledgeable, positive, friendly and efficient.
Maguire Family Law S.
We received a first class service from Ascot. Phil Greenwood assisted us with a commercial mortgage. It is rare to find anyone as efficient and communicative, especially during a stressful transaction. We would highly recommend.
Lee M.
I recently had to renew my mortgage. I contacted Phil Greenwood who I had used last time as he was really good in the past. He was brilliant again and I can't thank him enough. He was great at explaining everything to me so I understood what was going on at every step and also kept me informed and upto date. If you're looking for someone to help with your remortgage or a new mortgage who knows his stuff and can get you the best deal for you then I can highly recommend Phil Greenwood at Ascot Mortgages, he's brilliant at what he does and I will 100% be using him when my renewal is due.
Alan D.
Many thanks to Ascot Mortgages for arranging the best deal for the remortgage on our flat. They kept us updated and Alison and the team, as always came through with our deal to help us avoid paying extortionate costs on what would have been our new standard variable rate deal going forward.Highly recommended!!
Elliot E.
Phil Greenwood was fantastic in assisting us in getting our BTL mortgage when several other mortgage brokers were not able to, given our particular circumstances and self employed status. From starting with an initial call right through to the finish, communication was excellent and we're absolutely thrilled. Thank you, Ascot Mortgages for such a professional service.
vanessa G.
We had great experience with Natalia. She provided prompt and excellent service throughout our house purchase process.We highly recommend Natalia for mortgage advise
Flora R.
I worked with Richard (Protection Adviser) for a couple of days to sort out life and critical illness insurance. Absolutely brilliant, he found me and my husband the perfect policy. Very knowledgeable and easy to get on, he definetely makes things easy to understand. Thank you for the great service provided.
Debbie P.
Cannot speak highly enough of Ascot Mortgages who have helped me on my journey over the last seven years. They have made the dream property possible twice. Thank you to Alison, Jardelle and all the team. I am very grateful.
Areti D.
Absolutely thrilled with the exceptional service provided by Ascot Mortgages Ltd and especially by Natalia Barry! Even though our home purchase hasn't been completed yet, we couldn't wait to share our positive experience. From the moment we reached out, their professionalism and expertise shone through, making the daunting process of securing a mortgage a breeze.Not only did Natalia navigate the intricacies of the mortgage market with finesse, but they went above and beyond by suggesting other high-quality services, including solicitors and insurance providers. This comprehensive approach is making the entire home-buying journey seamless and stress-free.Natalia took the time to understand our unique needs and financial situation, ensuring that the options presented were tailored perfectly.Communication is prompt and clear throughout, leaving us feeling informed and confident at every stage. Natalia had our best interests at heart, going the extra mile to secure a fantastic mortgage deal.We cannot recommend Ascot Mortgages and Natalia highly enough. If you're in need of mortgage assistance, look no further. With their expertise and dedication to client satisfaction, you're in the best hands possible. A huge thank you to Natalia for making our home-buying experience a dream come true!
Ashley Cox 1.
Would 100% recommend. Myself and my partner are currently going through the mortgage process as first time buyers. Natalia Barry has dealt with our application from day one. She has always been on hand to help, informative throughout and reliable when we have had questions. She has given us several options and broken them down into simple terms to help us. Natalia has truly been exceptional who deserves every bit of credit. We certainly got lucky having her as our first mortgage consultant.
Dominik S.
Alison and the Ascot Team are excellent. I have used them for 5 years now and they deliver the most competitive mortgage deals fast. Just what I need. Thank you!
Eric T.
We have dealt with Ascot Mortgages twice. Once for a mortgage about eleven years ago and recently for life insurance.In both cases we were treated with the utmost respect and professionalism.In the case of the life insurance application, we considered ourselves to be problem customers because of our age and numerous health issues.Richard Johnson, who managed this application couldn't have been more helpful.He worked in our best interest and was dedicated to providing an excellent service.We were kept up to date through all of the stages of the application and when our doctors were very slow in producing medical reports for the insurance company he persisted where others might have given up.The service we had from Richard was pleasant and professional throughout some difficult stages.My wife and I have no hesitation in recommending Ascot Mortgages.
Zack R.
Having dealt with Ascot Mortgages and Alison for many years now I can say that you wont find a more professional, knowledgeable and efficient company to help with your mortgage. Alison is patient and makes the whole process seem easy. She has the answer to any question you have and seems to genuinely care. I can not recommend enough. I am sure I will be using Ascot Mortgages for years to come.
Umair Z.
It has been a fantastic experience to work with both Phil and Jardelle at Ascot Mortgages to secure a mortgage product for my first home. Phil made the mortgage process smooth and easy. They are professionals and know what they are doing. Very pleased with the service and communication. would highly recommend them.
Hello at NLP West M.
I needed a buy to let re-mortgage. Ascot were efficient from start to finish. I can recommend them completely especially because they can search the whole spectrum of mortgage lenders and meet the clients needs. never waiting for staff to get back and always kept me in the loop.
Onohomen O.
ZHOU J.
It has been a brilliant experience to work with both Phil and Jardelle at Ascot Mortgages to secure a great mortgage product for our next home. Given how challenging the current market is, they have done a fantastic job to meet our needs with their expertise, professionalism and effectiveness. We would highly recommend their services to whom seeks help with their property purchase.
Nicholas S.
Fantastic service. Ellie and Jardelle were always quick to reply to any queries and very helpful throughout the process. Highly recommend!
Stacey S.
Jason was brilliant to work with! Always on top of the transaction! Would highly recommend 👍
Scott
Although I've not bought anything yet, they (Jason in particular) have been super helpful in my search for the right mortgage deal, whilst also giving an honest opinion during these difficult times. Would highly recommend.
Sandra I.
Fantastic from start to finish! Natalia and Jason found me the best rate for my remortgage and they were extremely efficient! Best service I’ve ever received from a brokerage company. Thanks so much.
Virmantas N.
Amazing service and great communication. Ellie Morgan had quickly completed all requests and over delivered all expectations.Highly recommended for those who want to get the stuff done without any delays!
David W.
I have used ascot for 3 renewals since they done helped me with my purchase which was complicated and will continue to use them going forward. Very fair prices and very helpful and knowledgeable even with just general information.
Adam B.
Natalia made life very easy for us when remortgaging. Third time using ascot always a breeze
Taff G.
Ascot Mortgages have been brilliant. Easy to work with and incredibly helpful. I am always happy to recommend them. Natalia and Jason have made the whole process much easier than I was expecting. Excellent service.
Daryl L.
We've had a fantastic experience with Natalia Barry and Jason Jones at Ascot Mortgages for our property purchases and refinancing. Their expertise, coupled with genuine care and understanding of our needs, made the process smooth and stress-free.They were consistently communicative, keeping us informed at every step. Their assistance in consolidating our protection cover was invaluable, simplifying what could have been a complex process.What set them apart was their personal touch – always polite and ready to pick up the phone for a chat. This level of personal engagement is rare and much appreciated.In short, Natalia and Jason are not just skilled professionals but also truly dedicated to their clients. We highly recommend their services to anyone in need of mortgage advice.
Sarah A.
I have used this firm for several years and they have always been super helpful and supportive, attentive and resolved issues in really useful ways. Shout out to Alison, Ellie and Jardelle (and the team!)
Georgia W.
We worked with Ellie to secure our mortgage and protection, and she was a dream! Being a first time buyer, I was quite clueless about the process, and in a time where mortgage rates have been quite high, she worked right til the end to make sure we were getting our mortgage at the best possible rate and was always available to answer all questions I had. Can't recommend enough 🙂
Richard D.
Laura S.
As a first time buyer, trying to navigate through potential mortgages was a very daunting thought. Ascot Mortgages were recommended to me and I've been extremely happy with the service provided. They have guided me through every step and I finally have a mortgage. Very pleased and would recommend.
Lucy B.
Having Phil as my mortgage advisor was great from the very start! He is down to earth and speaking to him was always a pleasure. The kindness, compassion and support I have been given all the way through what can be a stressful process was immeasurable. Phil and Jardelle worked as a solid team and was able to make me feel at ease all the way through buying my first home. The team were always available and the communication between everyone was always clear and I felt safe in the hands of the company as a whole. Thank you for helping me buy my first home!
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Written by:

Alison Gibson

Ascot Mortgage Expert

Last Updated:

20.11.2024

Written by:

Alison Gibson

Ascot Mortgage Expert

Last Updated:

20.11.2024

Mortgage repayment on 180k

When you’re looking at a mortgage for 180k, there are numerous factors that can influence your monthly repayments:

  • The interest rate
  • The term of the loan (e.g., over 10 years, over 15 years, over 20 years, over 25 years)
  • Type of mortgage
  • Your credit history
  • The amount of your deposit
  • Any fees attached to the loan

UK Mortgage Calculator 180k

To give you a general idea, here’s a hypothetical representation of monthly repayments:

Mortgage Term

Interest Rate

Monthly Repayment

Over 10 years

5%

£1909

Over 15 years

5%

£1423

Over 20 years

5%

£1188

Over 25 years

5%

£1052

(Note: These are hypothetical numbers. Use our free online calculator for a tailored estimate.)

To best understand the monthly repayments for a mortgage on £180,000:

  • Use our calculator.
  • Input the amount you want to borrow – in this case, mortgage on 180k.
  • Adjust the term – over 10 years, over 15 years, over 20 years, or over 25 years.
  • You will receive an estimated monthly payment amount.

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Based on a mortgage of £300,000 at 75% LTV and 25 years

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How can I get a mortgage for £180k?

Securing a mortgage for a 180k mortgage involves:

  • Checking your credit history.
  • Approaching an Ascot Mortgages broker.
  • Calculating how much you can afford to borrow.
  • Shopping around for the best mortgage deal.
  • Awaiting approval.

Mortgage Repayment Calculator on 180k

Find out the eligibility requirements and the process of applying for a mortgage loan of 180k

To borrow a mortgage on 180k house, you should typically:

  • Have a steady income
  • Show proof of employment
  • Have a decent credit score
  • Be able to afford the monthly repayments

Process:

  • Pre-qualification: Get an idea of how much you can borrow.
  • Mortgage Application: Submit your financial details.
  • Property Valuation: The lender will assess the value of your property.
  • Mortgage Offer: If approved, the lender will send you an offer.
  • Finalise the Deal: Complete the necessary paperwork to finalise the mortgage.

How much do I need to earn a year to get a £180,000 mortgage on my own?

Generally, lenders will let you borrow up to 4.5 times your salary. For a mortgage on 180k, your yearly income should ideally be around £40,000 or higher. However, other financial factors play a part and would need to be discussed with a qualified adviser.

How does interest rate affect repayments on a £180k mortgage?

The interest rate is pivotal:

  • Higher rates mean higher monthly repayments.
  • Lower rates could save you a significant amount of money over the term.

How does the mortgage term affect £180k mortgage repayments?

The term significantly impacts how much you pay:

  • Shorter terms (e.g., over 10 years) mean higher monthly repayments but less interest over time.
  • Longer terms (e.g., over 25 years) mean lower monthly repayments but more interest over the term.

How does the mortgage type affect £180k mortgage monthly repayments?

There are various mortgage types:

  • Fixed-rate: Steady interest rate for a set period.
  • Variable-rate: Fluctuating interest rates.
  • Tracker: Follows an external rate, like the Bank of England’s base rate.

Each type affects your monthly repayment differently.

£180,000 mortgage repayments vs interest only

With repayment mortgages, you pay off some of the capital and interest each month. With interest-only, you only pay the interest:

  • Repayment: Higher monthly costs, but the mortgage balance decreases.
  • Interest-only: Lower monthly costs, but the balance remains the same.

Can a broker help me get approved for a £180k mortgage?

Absolutely! A broker like Ascot Mortgages can:

  • Offer expert advice tailored to your circumstances.
  • Find the best deals in the market.
  • Streamline the application process.

Contact Ascot Mortgages about a £180k mortgage

Looking to delve deeper into obtaining a mortgage on 180k? Reach out to our team of seasoned brokers and get bespoke advice tailored to your unique financial situation. Let us make your home-owning dream a reality.

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FAQ

The monthly repayment for a £180k mortgage in the UK varies based on the term and the interest rate. As a rough guide, for a £180,000 mortgage at 5% interest over 25 years, you’d be looking at repayments of approximately £1052 per month. However, it’s essential to use a mortgage calculator for precise figures and to consult with a broker or lender.

For a £180k mortgage over 15 years, the monthly repayments will be higher than a longer-term mortgage because you’re repaying the capital over a shorter period. At a hypothetical 5% interest rate, your monthly repayments would be about £1423. But again, exact amounts depend on your specific interest rate and other terms.

For a £180,000 mortgage over 30 years, your monthly repayments will generally be lower than shorter terms because the repayments are spread over a more extended period. If we consider an interest rate of 5%, you’d be looking at approximate monthly repayments of £966. Still, it’s crucial to get a precise quote tailored to your circumstances.

As a general guideline, lenders may offer mortgages up to 4-4.5 times your salary. For a £180,000 house (assuming you have no deposit), you’d need a yearly income of approximately £40,000 to £45,000. However, the actual amount could vary based on your credit score, other financial commitments, and the deposit size you can provide.

Meet Our Team

Alison Gibson
Alison GibsonPrincipal Director
Kevin Gibson
Kevin GibsonDirector
Simon Glass
Simon GlassSenior Mortgage Manager
Courtney Jones
Courtney JonesMortgage and Protection Advisor
Phil Greenwood
Phil GreenwoodMortgage and Protection Advisor
Natalia Barry
Natalia BarryMortgage and Protection Advisor
James Quigley
James QuigleyMortgage and Protection Advisor
Richard Johnson
Richard JohnsonProtection Advisor
Ashley Berrido
Ashley Berrido Mortgage Paraplanner
Matthew Bradburn
Matthew BradburnMortgage Paraplanner
Jenny Glover
Jenny GloverOffice Manager
Caron Emery
Caron EmeryAdministration Operative

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Ascot Mortgages authorised and regulated by the Financial Conduct Authority and can be found on the FCA register (www.fca.org.uk) under reference 776062. The FCA do not regulate some forms of mortgages. The guidance and advice contained in this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK. There may be a fee for mortgage advice. The precise amount will depend upon your circumstances but we estimate it will be £599 per mortgage account. Ascot Mortgages Ltd give you the option to pay a non-refundable fee of £1299 payable with the application. If this option is taken, Ascot Mortgages Ltd will refund any procuration fee received by the lender.

Ascot Mortgages Limited is registered in England and Wales and have their registered office at 8 Webster Court, Westbrook, Warrington, WA5 8WD. The company’s registration number is 06764971.

We are a credit broker, not a lender. We work with the whole of the lending market. We may receive commissions that will vary depending on the lender, product, or other permissible factors. The nature any commissions model will be confirmed to you before you proceed. 

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