How much is your mortgage a month for a three bedroom house?

[Loulandix]

Interested to see differences.

We pay around £1700 for a three bedroom detached new build a month with garage and small driveway. Not very big & small bedrooms. We live in Essex. It was £1400 until a few years ago when interest rates went up.

What does everyone else pay?

You can't compare as it depends on so many factors. Our mortgage was 200k 10 years ago and almost £800.

We consistently overpaid and have £40k left and a mortgage of just under £600. We consistently overpay £1k a month and expect to be mortgage free in 3 years.

Fwiw we also have a 3 bed new build with small driveway and garage in the south.

Generous 3 bed new build semi with a garage - we pay £1070. We ported a good chunk of our old mortgage over though on 2.4% interest rate when we moved in September

Impossible to compare, we paid ours off last year but it was 224 a month - we overpaid and paid an extra 500 a month to complete it early.

We bought our house june 2021
It was £385k and we put down £120k as a deposit (thanks for the sale of previous house and going up in value), so we had a £265k mortgage, this is about £930 a month on 1.6% so we've been quite lucky, but need to remortgage next year after our 5 year fix runs out so I'm a bit nervous, but think it'll probably go out to about £1200 a month which is doable for us luckily.

Small 3 bed terrace in a “naice” bit of Hertfordshire, on street parking only, tiny courtyard “garden” - £1260 per month, though we overpay so pay £1500.

We could afford something bigger but after 12 years here feel we may as well stay put and focus on paying off the mortgage so we can help the DC more when they leave home.

It's a 3 bed detached bungalow by the way.

£587. 10yr fix at 1.99%. 60% LTV when we refixed during a lockdown. It'll be paid off in 9yrs time.

3 bed mid terrace, garage in block. Street parking. In Cornwall.

If we were fixing now at the same LTV, it would be double the price.

£780. Yorkshire. Our to LTV is under 50% though and will hopefully pay it off completely in under 5 years.

I live Yorkshire house prices!

We pay £2k pm for a 1930s end terrace in East London we bought last year. Which is quite cheap as we have a drive for 2 cars (rare in London), good sized garden and next to an outstanding school. It was a probate sale hence the cheap price. Was structurally sound and well maintained but we renovated and did a loft conversion for cheaper than if we'd bought a done-up/newer house. A stressful 7 months while we did it but worth it for the long run. We've extended it to 4 double beds/2 baths as a result so when we remortgage it should improve our LTV and reduce the mortgage.

I'm not sure how helpful the numbers are going to be as there's so many variables.

We pay £310 a month, but we bought 12 years ago, and we're still on a low fixed rate (1%) and we live in a cheap area.

What is clear is that people are paying less in mortgage then rents - or getting a whole house for the cost of a room

London
12 year old mortgage
big inheritance deposit of 400k
£1200

We bought our 3 bed detached 8 years ago and our mortgage is £550 a month.

Very similiar to you OP - 1765 for a three bed in Essex. Terrace though but with garage and drive. Was just under 1300 before interest rates went up 🙄
We have renovated though so hoping we can decrease our LTV and get it down at next mortgage renewal.

Well, 0 because our mortgage is paid off 🤷

I’m in Ireland but we’ve bought a new build this year. 40 min drive from Dublin City centre. Had 100k deposit from savings, 30k tax rebate from help to buy scheme, house priced at 480k so 350k euro mortgage.

mortgage is 1432 per month and considered very reasonable for 3 bed semi D. A rental in this area would cost approx 2000 per month minimum

We're mortgage free after a sale and a move to the south coast but we were overpaying on our mortgage on our 3 bed terrace in South London. Monthly was about £800 but we were overpaying by whatever we could that didn't take us over the 10% threshold.

£869 a month in Surrey, and we fixed for 10 years in 2022 at 1.8% interest. 3 bed semi detached. Make lump sum payments as often as we can which reduces the term left on our mortgage

London. £500 pm. We've overpaid in the past.

Bought my house in Oct 2023 £408k. South East, three bed end terrace 40mins train from London, driveway (no garage). My Mortgage of 275k is £1,726pcm @4.1% was lucky got MIP fixed before rates went up. Will need to refix or go to a tracker in August 2026. I see BofE are looking to reduce rates today, lets hope its passed on to mortgage rates now the Stamp duty rates revert back in March.

We're mortgage free now but before that we were paying around £560 (inc. overpayments) while the house next door was being rented out at around £1200 a month!

(We're Scotland so prices are a lot cheaper than e.g. the SE)

We’re paying £1100 for a 3 bed semi in Manchester. Our mortgage was about £230k when we bought and we got a 5 year fix just before Truss came in.

We plan to start saving to overpay when we renew later this year, currently we’re saving for our wedding in a few months!

This is too dependent on other factors-we have a three bed house also in the South East, though have extended up so it has more bedrooms now. We bought it ages ago so the mortgage was £350 a month, we were paying £800 so we could pay it off quicker and now pay nothing. If we sold it tomorrow, it could cost someone £2000+ a month,

Also essex, 3 bed detached with garage

1300 we pay but we did have 115k equity from the last place

That's true, I'm paying a lot less for my mortgage than my house would be to rent, but I'm also about to pay 5k for new boiler install and associated work, my electrics need work, there is a lost of about a hundred things broken and held together with duck tape in my house that would be the landlords responsibility to fix.
You aren't comparing like with like when you look at mortgage/rant payments.