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Are you looking for a £90,000 mortgage?

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Pete Mugleston

Author: Pete Mugleston - Mortgage Advisor, MD

Updated: August 10, 2021

How Much Should I be Paying for a £90,000 Mortgage?

When searching around for the mortgage you are after, one of the biggest questions is often ‘How much is a £90k mortgage a month?’.

Play with our calculator here for an accurate measure of what a mortgage will cost, and you can also check how much you can borrow as well as get approved by the best lender, with our partners Mojo, for FREE!

Such a volatile subject, mortgage prices can fluctuate massively depending on factors such as rates of interest and repayment.

For us to understand how this might affect you, we have designed a number of tables representing the monthly payments required for a loan of £90,000. In addition, we have provided the costs at various lengths that you would have to pay it off by and how this has an impact. e.g, How much would a £90k mortgage be over 25 years?

Below are the tables discussed. To give you a further insight into the options available to you, we have included Mortgage values up to £99,000. This will allow you to carry out a comparison between the values accessible.

1% Repayment Rate

1% 15yr 20yr 25yr 30yr
90000 £538.65 £413.90 £339.19 £289.48
91000 £544.63 £418.50 £342.95 £292.69
92000 £550.61 £423.10 £346.72 £295.91
93000 £556.60 £427.70 £350.49 £299.12
94000 £562.58 £432.30 £354.26 £302.34
95000 £568.57 £436.90 £358.03 £305.56
96000 £574.55 £441.50 £361.80 £308.77
97000 £580.54 £446.10 £365.57 £311.99
98000 £586.52 £450.70 £369.34 £315.21
99000 £592.51 £455.30 £373.10 £318.42
100000 £598.49 £459.89 £376.87 £321.64

2% Repayment Rate

2% 15yr 20yr 25yr 30yr
90000 £579.16 £455.30 £381.47 £332.66
91000 £585.59 £460.35 £385.71 £336.35
92000 £592.03 £465.41 £389.95 £340.05
93000 £598.46 £470.47 £394.18 £343.75
94000 £604.90 £475.53 £398.42 £347.44
95000 £611.33 £480.59 £402.66 £351.14
96000 £617.77 £485.65 £406.90 £354.83
97000 £624.20 £490.71 £411.14 £358.53
98000 £630.64 £495.77 £415.38 £362.23
99000 £637.07 £500.82 £419.62 £365.92
100000 £643.51 £505.88 £423.85 £369.62

3% Repayment Rate

2% 15yr 20yr 25yr 30yr
90000 £621.52 £499.14 £426.79 £379.44
91000 £628.43 £504.68 £431.53 £383.66
92000 £635.34 £510.23 £436.27 £387.88
93000 £642.24 £515.78 £441.02 £392.09
94000 £649.15 £521.32 £445.76 £396.31
95000 £656.05 £526.87 £450.50 £400.52
96000 £662.96 £532.41 £455.24 £404.74
97000 £669.86 £537.96 £459.98 £408.96
98000 £676.77 £543.51 £464.73 £413.17
99000 £683.68 £549.05 £469.47 £417.39
100000 £690.58 £554.60 £474.21 £421.60

4% Repayment Rate

2% 15yr 20yr 25yr 30yr
90000 £665.72 £545.38 £475.05 £429.67
91000 £673.12 £551.44 £480.33 £434.45
92000 £680.51 £557.50 £485.61 £439.22
93000 £687.91 £563.56 £490.89 £444.00
94000 £695.31 £569.62 £496.17 £448.77
95000 £702.70 £575.68 £501.44 £453.54
96000 £710.10 £581.74 £506.72 £458.32
97000 £717.50 £587.80 £512.00 £463.09
98000 £724.89 £593.86 £517.28 £467.87
99000 £732.29 £599.92 £522.56 £472.64
100000 £739.69 £605.98 £527.84 £477.42

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5% Repayment Rate

2% 15yr 20yr 25yr 30yr
90000 £711.71 £593.96 £526.13 £483.14
91000 £719.62 £600.56 £531.98 £488.51
92000 £727.53 £607.16 £537.82 £493.88
93000 £735.44 £613.76 £543.67 £499.24
94000 £743.35 £620.36 £549.51 £504.61
95000 £751.25 £626.96 £555.36 £509.98
96000 £759.16 £633.56 £561.21 £515.35
97000 £767.07 £640.16 £567.05 £520.72
98000 £774.98 £646.76 £572.90 £526.09
99000 £782.89 £653.36 £578.74 £531.45
100000 £790.79 £659.96 £584.59 £536.82

What is the next step?

By this time, you should have a reasonable idea of how much you are wanting to borrow and how much it is going to cost you. To find out exactly the route you are wanting to take for your £90 000 Mortgage, you must explore the market to find the best deal. This is often a slow and tedious process. That is why us at onlinemortgageadvisor.co.uk have provided you with the latest market data from you to choose from.

We have designed the system to make the procedure as quick and as stress free as possible. Therefore, simply enter the mortgage value you are after, including the repayment methods suitable to you, the deposit you can provide and the mortgage term, etc.

You will then be presented with the most recent deals on the market, it is then just a case of finding the most appropriate for you and clicking on the ‘enquire’ button.

About the author

Pete, an expert in all things mortgages, cut his teeth right in the middle of the credit crunch. With plenty of people needing help and few mortgage providers lending, Pete found great success in going the extra mile to find mortgages for people whom many others considered lost causes. The experience he gained, coupled with his love of helping people reach their goals, led him to establish Online Mortgage Advisor, with one clear vision – to help as many customers as possible get the right advice, regardless of need or background.

Pete’s presence in the industry as the ‘go-to’ for specialist finance continues to grow, and he is regularly cited in and writes for both local and national press, as well as trade publications, with a regular column in Mortgage Introducer and being the exclusive mortgage expert for LOVEMoney. Pete also writes for OMA of course!

Read more about Pete

Pete Mugleston

Mortgage Advisor, MD

FCA disclaimer

*Based on our research, the content contained in this article is accurate as of the most recent time of writing. Lender criteria and policies change regularly so speak to one of the advisors we work with to confirm the most accurate up to date information. The information on the site is not tailored advice to each individual reader, and as such does not constitute financial advice. All advisors working with us are fully qualified to provide mortgage advice and work only for firms who are authorised and regulated by the Financial Conduct Authority. They will offer any advice specific to you and your needs.

Some types of buy to let mortgages are not regulated by the FCA. Think carefully before securing other debts against your home. As a mortgage is secured against your home, it may be repossessed if you do not keep up with repayments on your mortgage. Equity released from your home will also be secured against it.

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