Mortgage Overpayment Calculator

Our overpayment calculator shows you how you could save money and pay off your mortgage faster.

Fields marked with * are required

About your current mortgage

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Valid Invalid

Please choose a mortgage type

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£
Valid Invalid

Please enter a value between £1 and £2,000,000.

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%
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Please enter a rate above 0% and up to a maximum of 10%

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years
months
Valid Invalid

Please enter years and months (maximum of 40 years)

Please enter months between 0 and 11

Your overpayment options

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Please choose an overpayment type

£
Valid Invalid

Please enter an amount between £1 and £2,000,000

Please enter a sum that is less than your current balance

£
Valid Invalid

Please enter an amount between £1 and £10,000

Please enter a sum that is less than your current balance

years
months
Valid Invalid

Please enter years and months (maximum of 40 years, must not be greater than remaining mortgage)

Please enter months between 0 and 11

Show my results Update

Based on what you've told us

Your current details

Mortgage balance

Interest rate

Monthly payment

Remaining term

Changes with overpayment

A one-off overpayment of

Monthly overpayments of

plus monthly overpayments of

for

until further notice

could save you

and reduce your term by

Interest total - Without overpayments =

Interest total - With overpayments =

With overpayments
Without overpayments
Details With overpayments Without overpayments
Monthly repayment Monthly repayment Monthly repayment
Total to repay Total to repay Total to repay
Length of mortgage Length of mortgage Length of mortgage

Results are based on the following assumptions:

  • Regular overpayments
  • Lump sum overpayments
  • Interest
  • Early Repayment Charges

See full details on assumptions

Please bear in mind that the calculator is for illustrative purposes and does not take into account any overpayment restrictions or early repayment charges. The calculator also assumes the mortgage rate used will apply for the term stated and cannot account for future changes to interest rates or your product.

Email us

You can discuss overpayments on your mortgage by emailing us securely through "My messages" if you are registered for our Internet Banking service.

Visit us in branch

If you would like to speak to a member of staff about overpaying your mortgage, you can visit us in branch.

Give us a call

If you would like to discuss overpaying your mortgage, you can call us on 0800 30 20 11

How to make an overpayment

    Think carefully before securing other debts against your home. Your mortgage is secured on your home, which you could lose if you do not keep up your mortgage repayments.

    Mortgages are subject to underwriting and criteria. Minimum age 18, UK residents only.