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Mortgage overpayment calculator
See how much interest you save and how many years you cut by paying extra each month, or a lump sum now.
Estimate, not advice. Rates change after a deal ends. Check overpayment limits and charges with your lender.
Common questions
How much can I overpay without a charge?
Many fixed deals allow about 10% of the balance each year. Check your mortgage offer.
Does overpaying shorten the term or lower the payment?
It shortens the term unless you ask your lender to recalculate the payment.
Should I overpay or save instead?
Compare your mortgage rate with your savings rate after tax, and keep emergency savings first.