MChem (Hons) Chemistry · University of SurreyIntegrated Master's degree · 4 years
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The University of Surrey · Undergraduate

MChem (Hons) Chemistry Integrated Master's degree at the University of Surrey

MChem (Hons) Chemistry at University of Surrey is accredited by the Royal Society of Chemistry, meeting the academic criteria for Chartered Chemist (CChem) status.

MChem (Hons)
Award
4
Years
Full-time
Study mode
100%
in work/study (15m)

About this course

Our chemistry degree combines core theory with the latest practical chemistry techniques, and gives you industry placement and research opportunities. From the provider’s course page.

MChem (Hons) Chemistry is an Integrated Master's degree (MChem (Hons)) at the University of Surrey. It runs 4 years, studied full-time.

For Physical sciences graduates from this provider, 100% were in work or further study 15 months after graduating, 80% in highly skilled roles, typical earnings around £27,000. (HESA Graduate Outcomes / LEO, via Discover Uni.)

For the typical curriculum, specialisations, career paths and graduate earnings for Physics & Chemistry, see the sections below.

Course evidence score

The arithmetic mean of the official measures available for this course: NSS satisfaction, graduate activity and continuation.

9.1
/ 10
Exceptional
3 of 3 official measures
Student satisfaction
What students say in the National Student Survey
Excellent88

Published threshold met NSS publication requires sufficient responses; small differences are not a rank. NSS mean of 7 published themes (Discover Uni snapshot 2026-06-21)

Graduate outcomes
In work or further study 15 months after graduating
Exceptional100

Limited evidence Published sample: 20; treat comparisons cautiously. Cohort 2022-23. Graduate Outcomes work or further study 100% (2022-23; Discover Uni snapshot 2026-06-21)

Continuation
Students who continue past their first year
Excellent85

Published threshold met Discover Uni suppresses continuation data below its publication threshold. Cohort 2022-23. Continuation 85% (2022-23; Discover Uni snapshot 2026-06-21)

Curriculum & modules

Real modules published for this course, grouped only where the source gives a year, stage or level.

Year 1 9 modules
  • PRINCIPLES OF ANALYTICAL CHEMISTRYCompulsory
    Module details

    The module provides an introductory overview of the main techniques used in analytical chemistry. It provides understanding of the fundamental principles of chemical analysis as well as the main aspects of their application. The combination of lectures and practical sessions allows the students to get familiarised with the common practices in an analytical chemistry laboratory (calibration of instrumentation, validation, analysis of quality control samples, etc.) as well to introduce them to hea

  • PERIODICITY AND REACTIVITY OF THE ELEMENTSCompulsory
    Module details

    This module provides an introduction to Inorganic Chemistry and contains both theoretical and laboratory components. The starting point is basic quantum theory which is built upon to explain the periodic table, key trends and the reactivity of main group and d-block elements. This is underpinned by a review and extension of bonding theories.

  • ESSENTIAL SKILLS FOR CHEMISTS AND PHARMACEUTICAL SCIENTISTS PART 1Compulsory
    Module details

    This module introduces and develops subject-specific skills underpinning your first year of study at degree level, as well as enhancing your employability by development of transferrable skills: Mathematics: for the manipulation of physical laws, basic calculations and applications of more advanced mathematical techniques in Chemistry Computing: for the manipulation and presentation chemical and experimental data, basics of molecular modelling, responsible use of genAI Statistical skills: for pr

  • FUNDAMENTALS OF FORENSIC SCIENCE: FROM CRIME SCENE TO COURTOptional
    Module details

    The purpose of this module is to give students a fundamental understanding of the conceptual frameworks underpinning forensic science. In this first-year module a very wide array of evidence types are covered. Casework examples are used to give students a broad understanding of how forensic evidence is retrieved, packaged, analysed and reported in court. This module interacts with material that students are taught through analytical chemistry modules and demonstrates the application of relevant

  • DATA ANALYSISOptional
    Module details

    This module is intended to introduce basic data handling knowledge and practice combined with introductory programming skills (digital capabilities) to give students confidence in handling chemical data which they can apply to all modules throughout the course (resourcefulness and resilience) and will also provide a basis for future employment (not only in chemistry) where they will need these skills generally (employability). The hands-on workshop approach rather than formal lectures gives them

  • ORGANIC STRUCTURE, REACTIVITY AND FUNCTIONAL GROUPSCompulsory
    Module details

    This module gives an introduction to organic chemistry based on an orbital approach to structure and bonding, then a structure and bonding approach to reactivity, followed by the application of structure, bonding and reactivity to simple functional group organic chemistry. A practical component will teach basic organic laboratory skills and allow students real-life experience of carrying out some of the chemistry taught in the lectures.

  • PHYSICAL PROCESSES IN CHEMISTRYCompulsory
    Module details

    This module gives an introduction to fundamental laws that govern the behaviour of matter through an understanding of the properties of matter at molecular, atomic and subatomic level. This will in some cases build on your existing knowledge (e.g. atomic structure gained in CHE1042, or pre-university knowledge in thermodynamics), and in others introduces you to new knowledge essential for the understanding of later concepts in Physical Chemistry such as in CHE2040.

  • INDUSTRIAL AND ENVIRONMENTAL CHEMISTRYCompulsory
    Module details

    The module provides an overview of the industrial production of major chemicals at the larger scale, and their use in society. This includes aspects of chemical processes including economics, societal effects, health and safety, and engineering. The module also introduces the numerous interlinked chemical processes, both natural and anthropogenic, that take place within the Earth's environment. This includes coverage of the impact they may have for life on Earth along with potential solutions to

  • ESSENTIAL SKILLS FOR CHEMISTS AND PHARMACEUTICAL SCIENTISTS PART 2Compulsory
    Module details

    This module further develops subject-specific skills underpinning your first year of study at degree level, as well as enhancing your employability by development of transferrable skills: Mathematics: for the manipulation of physical laws, basic calculations and applications of more advanced mathematical techniques in Chemistry Computing: for the manipulation and presentation chemical and experimental data, basics of molecular modelling, responsible use of genAI Independent reading, writing and

Year 2 5 modules
  • ORGANIC CARBON-CARBON BOND FORMATION AND HETEROCYCLIC CHEMISTRYCompulsory
    Module details

    This module builds upon the basic concepts taught at FHEQ level 4 and prepares students for the advanced research-led concepts of FHEQ level 6 and, where applicable, for relevant placements. Specifically, new reactions leading to carbon–carbon bond formation are explained, while the concepts of aromatic chemistry are expanded to heteroaromatics.

  • APPLIED ORGANIC SPECTROSCOPYCompulsory
    Module details

    This module discusses the theoretical knowledge and skills required for the interpretation of NMR, IR, Raman, MS and UV-Vis spectra

  • ADVANCES IN ANALYTICAL INSTRUMENTATIONCompulsory
    Module details

    Enhancing a knowledge and application of analytical chemistry including an awareness of the operation of modern instruments in research and industrial environments.

  • MATERIALS CHEMISTRY: FUNDAMENTALS TO APPLICATIONCompulsory
    Module details

    The students will gain understanding of the fundamental concepts behind materials involving extended inorganic and organic structures, along with their properties and applications (encompassing Sustainability and Global and Cultural Capabilities pillars). This includes an introduction to characterisation techniques that are more specific to materials chemistry (e.g. diffraction techniques, thermal analysis, mechanical testing, and characterisation of magnetic and conduction properties) compared

  • PHASES, COLLOIDS AND ELECTRONIC TRANSITIONSCompulsory
    Module details

    This module builds on concepts introduced at level 4 to inform, analyse and stimulate enquiry into Intermediate topics in Physical Chemistry. The student will learn fundamental and applied aspects of phases and equilibria, spectroscopy, surfactants, colloids and emulsions and gain hands-on experience

Source: provider course page. Modules can change; required/optional status, credits, descriptions and assessment are shown only when explicitly published.

Course in depth

What this course covers, who it suits and where it leads.

What you'll study

This MChem degree combines core chemistry theory with practical techniques grounded in industry practice and research. You'll usually start with atomic structure, bonding, and the mathematics underpinning chemistry, alongside laboratory fundamentals and measurement skills. As you progress through Year 2, you'll move into organic and physical chemistry, advanced experimental work and scientific computing. Years 3 and 4 broaden into specialist options such as medicinal chemistry, materials science, quantum science, computational methods and research placements, culminating in a substantial research project conducted within an active research group. The degree integrates industry placement opportunities throughout, giving you experience alongside your academic studies.

Who it's for

Most entrants hold A-levels or equivalent qualifications; 90% of accepted students came in with A-levels or equivalent. The typical UCAS tariff among accepted students was 96–111 points.

Careers & job market

Nationally, 85% of Physics and Chemistry graduates are in work or further study 15 months after graduating. Of those working, 75% are in highly skilled work or further study. Starting salaries nationally range from £26,500 to £34,000 at 15 months post-graduation; after 5 years, this rises to £30,600–£43,200. These are national figures from Graduate Outcomes and LEO data, not university-specific guarantees. 90% of students continue past their first year.

University & format

The MChem (Hons) Chemistry is a 4-year full-time integrated Master's degree offered by The University of Surrey, a public university. Taught in English, the programme is accredited by the Royal Society of Chemistry for fully meeting the academic criteria for Chartered Chemist (CChem). The University is recognised as a UK degree-awarding body and holds Silver for teaching quality in the Office for Students' TEF 2023. Typical entrants hold A-levels or equivalent (90% of accepted students).

Student satisfaction

How students on this course answered the National Student Survey, by theme.

The teaching on my course
95%
Learning opportunities
90%
Assessment and feedback
78%
Academic Support
99%
Organisation and management
91%
Learning resources
86%
Student voice
78%

Share of students responding positively.

Published threshold met NSS publication requires sufficient responses; small differences are not a rank. NSS mean of 7 published themes (Discover Uni snapshot 2026-06-21)

Applicant information

The next application dates for this course, followed by facts the provider publishes.

Application timelineWhat happens next
  1. 2027 entryCompleted applications can be submitted

    Your application needs a reference before you can send it.

  2. 2026 entryFinal date for 2026 applications

    Applications must reach UCAS by 18:00 UK time.

  3. 2026 entryLast day to add a Clearing choice

    Check that this course still has a vacancy before adding it.

  4. 2027 entryEqual-consideration deadline

    18:00 UK time for most undergraduate courses.

Show 5 later dates
  1. 2027 entryUCAS Extra opens

    Applicants who used all five choices and hold no offer may be able to add another choice.

  2. 2027 entryLast day applications go directly to providers

    Applications received after 18:00 UK time are entered into Clearing.

  3. 2027 entryClearing opens

    Eligible applicants can see vacancies and release themselves into Clearing.

  4. 2027 entryFinal date for 2027 applications

    Applications must reach UCAS by 18:00 UK time.

  5. 2027 entryLast day to add a Clearing choice

    Check that this course still has a vacancy before adding it.

Published entryAAB-ABB typical offer

Provider-published requirement; check the linked course page before applying.

Contextual offersPublished by this provider

The provider publishes contextual-offer information. Eligibility and any reduced offer are applicant-specific.

PlacementPublished placement option

Placement year. Availability, selection and pay can vary.

Open daysOpen days

See and book current events. Dates can fill or change.

Entry & how to get in

Typical offer (from the provider)The university’s course page lists a typical A-level offer of BBB. Always check the provider for the current offer and subject requirements.
Most entrants held A-levels or equivalent90% of accepted students came in with A-levels or equivalent (entrants over recent years).
Typical UCAS tariff: 96 - 111 pointsThe most common UCAS tariff band among accepted students. This is what entrants had, not a stated requirement.
Professionally accreditedAccredited by the Royal Society of Chemistry for fully meeting the academic criteria for Chartered Chemist (CChem)
Entry requirements are set by the universityGrades, subjects and contextual offers vary. Check the University of Surrey's official course page for the current offer.

Who gets in

What recently admitted students actually held, official admissions data, not a stated requirement.

UCAS tariff of entrants

Grades are the A-level equivalent of each points band. Tap a band to check your own chances below.

Qualifications held on entry

QualificationShare
A-levels or equivalent90%
another higher-education qualification10%

Entry & your chances

An honest read from the official entry data, plus your personal match.

Accessible entry

Accepted students came in with a broad spread of qualifications and UCAS points. If you're worried about grades, this course has historically taken a wide range, and contextual offers may apply.

Will you get in? Plot your grades

Pick your predicted A-levels and watch your UCAS points land on the real spread of students admitted to this course.

Each bar is the share of admitted students in that UCAS-points band (lower → higher). Grades show the A-level equivalent.

Add your grades to see where you land

Your points will drop onto the distribution above, with an honest above / within / below read.

Based on the official admitted-student tariff distribution. Many universities make contextual (reduced-grade) offers, so a result below the range doesn’t rule you out.

How to apply

Undergraduate applications go through UCAS. Here’s what matters for this course, the right deadline, the grades to aim for, and the steps in order.

Apply by13 January 2027, 18:00 UK timefor this course
Typical gradesBBBA-level equivalent admitted students held
UCAS codeF100quote this on your application
  1. 1
    Register on UCAS Hub

    Create your UCAS application and add this course (code F100). One application covers up to five choices.

  2. 2
    Write your personal statement

    A single statement covers all your choices, so keep it broad enough for similar courses while showing genuine interest in this subject.

  3. 3
    Submit by 13 January 2027, 18:00 UK time

    UCAS equal-consideration deadline for most undergraduate courses. Source: UCAS 2027 dates.

  4. 4
    Reply to your offers

    When decisions are in, pick a firm (first) choice and an insurance (back-up) choice with slightly lower grades.

  5. 5
    Results day & confirmation

    On results day (mid-August) your place is confirmed if you meet the offer. Just missed? Talk to the university, or find a place through Clearing.

💡 Many universities make a contextual (reduced-grade) offer, for example based on your school’s results, time in care, or where you live. Ask University of Surrey whether you’re eligible before you apply; it can lower the grades you need.

Fees & funding

What this course costs and how UK student finance covers it.

Tuition per year

Home£9,790 / yr
International£27,000 / yr

Provider fee page (England 2026/27 cap where not stated).

Check fees at University of Surrey →

For students who normally live in England

illustrative Maintenance Loan per year
£9,790tuition used per year, published course home fee
illustrative borrowing over 4 years

2026/27 Student Finance England figures. Maintenance support is means-tested and this two-point view is not an entitlement calculator. The course total uses its published length and home fee where both are available; a missing full-time fee uses the clearly labelled England-cap scenario, while part-time fees and unknown lengths are never guessed. Use the official calculator. Scotland, Wales and Northern Ireland use separate systems: SAAS, Student Finance Wales, and Student Finance NI.

Starting on or after 1 January 2027?

The Lifelong Learning Entitlement is a separate system. A new learner’s tuition entitlement is currently stated as £39,160 (about 480 credits at 2026/27 fee levels), subject to prior study and eligibility. Check the official LLE guide.

Paying for it

  • Tuition Fee Loan: can cover eligible tuition up to the applicable limit and is paid straight to the provider.
  • Maintenance Loan: up to £10,830/yr away from home outside London (England, 2026/27), means-tested on household income.
  • Repayment: 9% of income above £25,000, nothing below it; written off after 40 years.
  • Earn alongside: most students work part-time in term, part-time roles on the StudySmarter job board.

England figures shown; Scotland, Wales & NI run their own schemes, check gov.uk.

Funding matched to this course

Scholarships & bursaries you could qualify for

All University of Surrey funding →
No verified named award is shown for this provider yet.

That does not mean no funding exists. Check the university directory for current amounts, eligibility and application dates.

We only display a named award when its provider source identifies the award and who it is for.

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Career quizApplication walkthroughSalary & CV check

Careers & earnings

What Physics & Chemistry graduates actually earn, from real outcome data, 15 months, 3 years and 5 years after graduating.

Graduate earnings: this course

WhenMedianTypical rangeGraduates
15 months after£27,000£25,000 – £32,00020
3 years after£30,500£25,500 – £38,000110
5 years after£38,500£32,000 – £52,500135

Nominal earnings for graduates of this course/subject at this provider. Limited evidence. Published sample: 20; treat comparisons cautiously. Cohort 2022-23.

Graduate outcomes, 15 months on: this course

100%
in work or further study 15 months on
80%
in highly skilled work or study
85%
continue past their first year
85%
find their work meaningful
70%
say work fits their future plans
  1. 1Graduate roleFirst role after the degree · 0–2 yrs
  2. 2Specialist / PractitionerWorking in physics & chemistry · 2–5 yrs
  3. 3Senior / LeadLeading work and people · 5–10 yrs
  4. 4Head of / ExpertSenior leadership or deep expertise · 10+ yrs

How pay grows: this course vs Physics & Chemistry nationally

Starting (15 months) HESA GO
£27,000
£26,500 – £34,000
After 3 years LEO
£30,500
£24,650 – £34,800
After 5 years LEO
£38,500
£30,600 – £43,200
national rangethis course’s medianaxis £23,000 – £44,500

National figures for Physics & Chemistry graduates, HESA Graduate Outcomes (15 months) and the Longitudinal Education Outcomes (LEO) dataset (3 & 5 years). These are national, not university-specific; actual pay varies by employer, region, role and experience. Different cohorts, so the bars are not one group over time.

Work out your pay

Headline figures hide a lot. Calculate realistic take-home pay for this field by role, region and experience, then check your CV before you apply.

What happened to 100 students?

Choose an outcome to translate the published percentage into a simple 100-person view. Each dot represents one percentage point, not an individual tracked student.

100 of 100

were in work or further study

15 months after graduation

80% working5% working and studying15% in further study80% in highly skilled work or study

Source: Discover Uni, using Graduate Outcomes and continuation data. Cohorts: 2022-23. Limited evidence. Published sample: 20; treat comparisons cautiously. Cohort 2022-23. Each tab is a separate published measure; categories can overlap and should not be added together.

Value compared with similar courses

How this course’s 5-year median earnings compare with Physics & Chemistry courses at the same study level.

This course £38,500Peer median £36,000Middle 50% £32,000–£38,500
74th percentile

Compared with 886 courses with compatible official earnings data. This is a course-value comparison, not a quality ranking.

UK occupations graduates enter

Published graduate destinations, joined conservatively to UK SOC 2020, ONS pay and Skills England demand.

  • Natural and social science professionalsSOC 2020 211 · 35% of published destinations · ASHE median £44,243
  • Science, engineering and technology associate professionalsSOC 2020 31 · 20% of published destinations · ASHE median £34,828
  • Sales occupationsSOC 2020 71 · 15% of published destinations · ASHE median £15,975
  • Engineering professionalsSOC 2020 212 · 10% of published destinations · ASHE median £50,325

Discover Uni JOBLIST/JOBTYPE; ONS ASHE 2025 provisional, all employee jobs; Skills England Occupations in Demand 2025. SOC is shown only for an exact normalised label match; demand is shown only at exact four-digit SOC. Published sample: 35; response rate: 60%. Pay describes the occupation across workers, not a guaranteed graduate salary.

Is MChem (Hons) Chemistry worth it?

Generally yes. On its graduates’ median earnings, MChem (Hons) Chemistry is worth about +£105,840 more over the first ten years of work than going straight to a job, a solid return once you net out the fees.

Solid payoff: pays for itself within the typical range for a degree
break evenyr 0yr 5yr 10yr 15graduateWorth it ≈ year 13.9

Cumulative earnings vs. going straight to work at 18, counting tuition and 4 years of wages given up while studying. The line clears zero around year 13.9. This is a simplified gross-earnings comparison, not a forecast of cash loan repayments.

+£105,840
10-year payoff
extra earnings over the first decade, after the fees you pay
3.7×
Return on investment
extra earnings over 10 yrs per £1 of fees
£39,160
Tuition over the course
£9,790/yr × 4 yrs (published course home fee)
£38,500
Grad earnings, 5 yrs on
£14,500 above a non-graduate (£24,000)

Model: this course’s own median graduate earnings (Graduate Outcomes / LEO) above the £24,000 non-graduate baseline (ONS), net of £9,790/yr over 4 years (published course home fee). Eligible England-domiciled students can apply for a Tuition Fee Loan; repayments are 9% only on income above the threshold, with anything left written off after 40 years. That makes the cash flow different from conventional commercial debt. Opportunity cost assumes £18,000 gross earnings forgone in each study year; figures are nominal and exclude tax, living costs, investment returns and loan interest. A simplified estimate. Earnings and actual fees vary by graduate, provider, fee status and UK nation.

Job market & outlook

How Physics & Chemistry graduates fare in the labour market, and how AI is reshaping the work.

85%
in work or further study 15 months after graduating, across Physics & Chemistry courses nationally.
Graduate Outcomes
75%
of working graduates are in highly skilled work or further study.
highly skilled
90%
of students continue past their first year (still enrolled or completed).
continuation

How AI is changing the work

AI doesn't replace the profession, it shifts it: routine tasks get automated, while judgement, working with people and using AI well become more valuable.

What AI takes off your plate

  • Routine information gathering
  • First-draft writing and summaries
  • Standard analysis and admin
  • Repetitive processing tasks

More human than ever

  • Judgement and original thinking
  • Working with and leading people
  • Owning and sense-checking AI output
  • Ethics and accountability

The strongest graduates pair subject depth with the ability to use AI tools critically.

Roles & employers

Where Physics & Chemistry graduates typically go, indicative destinations from graduate career data. Each role links to live openings on the StudySmarter job board.

Where they work

  • Research institutes
  • Energy & manufacturing
  • Universities
  • Government labs

Is this course right for you?

The essentials UK applicants ask about: finance, outcomes, entry and quality.

💷

Student finance

Published home tuition is £9,790/year for this course. If you normally live in England, eligible students can apply for a Tuition Fee Loan, plus a Maintenance Loan for living costs. Under Plan 5 you repay 9% of income above £25,000, nothing below that, and the balance is written off after 40 years.

📈

Where graduates go

100% were in work or further study 15 months after graduating, with a median salary of £27,000. See the full breakdown in Careers & earnings above.

🎯

Your entry chances

Use the UCAS points calculator above to see how your predicted grades compare with admitted students, and whether a contextual offer could apply.

Official-data snapshot

Averaging the official measures published for it, this course scores 9.1 out of 10: NSS 88.1% · in work or study 100% · continued 85%.

Who studies here and in this subject?

Provider- and UK subject-level context.

The University of Surrey

All students16,430
International20.2%
Aged 25+19.8%

Physical sciences across the UK

Students64,325
Aged 25+17.8%

HESA student record 2024/25. Counts are rounded.

Local crime-data context

A neutral snapshot around the published teaching location.

Around University of Surrey

1,620 street-level reports returned within roughly one mile across 2026-04 to 2026-06.

Violent Crime 518Shoplifting 254Anti Social Behaviour 218Public Order 212Criminal Damage Arson 134

Police.uk street-level API. Approximate locations, not confined to campus. England, Wales and Northern Ireland; not Scotland.

Is Physics & Chemistry right for you?

Tick what applies to you and see how good a fit it is.

International students

What applying to University of Surrey from outside the UK involves: fees, English, visa, funding and living costs.

Tuition fees

International tuition is £27,000 / year for this course (from the provider’s fee page). You’re not eligible for UK Tuition Fee or Maintenance Loans, so plan for fees plus living costs upfront.

English language

Most UK undergraduate courses ask for around IELTS 6.0–6.5 (no band below 5.5–6.0), or an accepted equivalent. If you’re just short, most universities run a pre-sessional English course that counts towards the requirement.

Student visa

You’ll usually need a Student visa (Student Route). After you accept an offer the university issues a CAS; you then show funds for fees plus about £1,023–£1,334/month living costs and pay the Immigration Health Surcharge for NHS access.

Scholarships & funding

Many universities offer international/global scholarships (often £2,000–£6,000/yr), check University of Surrey’s funding pages.

Living costs

Budget roughly £1,100–£1,400/month outside London and £1,400–£1,800/month in London for rent, food and travel; the figure also matters for your visa.

Working while you study

A Student visa usually allows up to 20 hours/week in term time and full-time in holidays, useful alongside study, though not something to rely on for fees.

Visa rules and fees change. Always confirm the current requirements with University of Surrey and gov.uk before you apply.

Common questions

Entry is historically accessible, accepted students came in with a broad spread of qualifications. The most common tariff band among recent entrants was 112 - 127 UCAS points. Use the calculator on this page to see where your predicted grades would put you; many universities also make lower contextual offers.
Set by the University of Surrey. Most accepted students held A-levels or equivalent. Check the university's course page for the exact offer.
For Physical sciences graduates from this provider, 100% were in work or further study 15 months after graduating, 80% in highly skilled roles, typical earnings around £27,000. (HESA Graduate Outcomes / LEO, via Discover Uni.)
The published home tuition is £9,790 per year for this course. If you normally live in England, eligible students can apply for a Tuition Fee Loan, plus a Maintenance Loan for living costs. Under Plan 5 you repay 9% of income above £25,000, nothing below that, and the balance is written off after 40 years. See Fees & funding on this page to work out your numbers.
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