25-Year Mortgage Calculator.
The 5-years-shorter option. The standard term in Canada, UK, and Australia — and a quiet alternative in the US. Modest payment increase, modest interest savings.
A $400,000 loan at 6.4% over 25 years = monthly payment of $2,676, total interest $402,766. Adjust amount and rate in the calculator below.
Mortgage Calculator
Is the 25-year right for you?
✅ Pros
- →Standard term in most Commonwealth countries
- →Modest monthly payment increase vs 30-year
- →Saves ~$70-100K in interest on typical loans vs 30-year
- →Aligns with 25-year career and retirement timing
⚠️ Cons
- →Less common in the US — fewer rate quotes
- →Smaller interest savings than 20-year option
- →Smaller rate discount vs 30-year
Ideal borrower profile
- ✓ Canadian, UK, Australian, and Singapore borrowers (where 25-year is standard)
- ✓ US borrowers who want to shave 5 years off a 30-year without stress
- ✓ Buyers in their 40s wanting payoff before standard retirement age
- ✓ Refinancers reducing remaining loan life
How the 25-year compares.
Same $400,000 loan, different terms. Each at the typical rate for that term.
| Term | Rate | Monthly | Total Interest | Total Paid |
|---|---|---|---|---|
| 10 yr | 5.75% | $4,391 | $126,892 | $526,892 |
| 15 yr | 6% | $3,375 | $207,577 | $607,577 |
| 20 yr | 6.25% | $2,924 | $301,691 | $701,691 |
| 25 yr ← | 6.4% | $2,676 | $402,766 | $802,766 |
| 30 yr | 6.5% | $2,528 | $510,178 | $910,178 |
| 40 yr | 7% | $2,486 | $793,148 | $1,193,148 |
Highlighted row = current page. Rates shown are typical for prime borrowers in May 2026.
The math nobody shows you.
In Canada, UK, Australia, and Singapore, 25 years is the STANDARD mortgage amortization (not 30). A C$500,000 mortgage at 5% over 25 years = C$2,908/month and C$372,400 total interest. The longer-than-15-year horizon allows higher property prices in those markets where housing-to-income ratios are stretched.