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

103 replies

Loulandix · 06/02/2025 08:46

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?

OP posts:
ninjaassassin · 28/01/2026 15:35

We have had our mortgage since 2006 and the repayments are around £800 a month. Our house is 4 bedroom semi detached valued at around £700k

We are on the south coast btw which is super expensive and probably the 2nd expensive area outside of London

Toastersandkettles · 28/01/2026 15:42

Victorian 3 bed in the South West. Very large rooms, smallish garden and driveway. £428 a month, but we choose to pay £700.

KeepPumping · 28/01/2026 17:26

wherearemypastnames · 06/02/2025 09:09

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

Not sure how you could generalise that across all the examples, rents are falling and mortgages look likely to go up, so even if true on a general level from the stats produced by estate agents (they have a vested interest in getting landlords to rent with them so will massage rent statistics to appear really good) it is unlikely to last, someone with a big mortgage could be a lot worse off than someone in a cheaper rental if rates spike again.

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