See how much you could save

Mortgage overpayment calculator

Want to pay off your mortgage earlier or reduce your monthly payments? Pop your details into our simple overpayment calculator and we'll show you how to do just that. Here are your overpayment options: 


Select an option to see how you could save:

A lump sum overpayment can lower your monthly repayments.
Paying a lump sum is a way to lower your monthly payments.
Please enter your mortgage balance

Time Remaining (Years, Months)*

Please enter current interest rate on your mortgage
Please enter extra monthly payments


Please enter lump sum payment
*This information is required.
Your current monthly repayment is

Amount saved each month
Your current monthly repayment is


Important information

If you are not on our Standard Variable Rate (which has no restrictions on the amount you can overpay), there may be a maximum amount you can overpay each year without incurring an Early Repayment Charge. If you need more information on these terms please have a look at your recent mortgage offer, or give us a call on the number below.

We’ve made a few assumptions:

  • The amount you currently pay is based on the information you have entered
  • The interest rate will remain the same for the term of the mortgage
  • Months are of 12 equal lengths so the monthly interest will not differ
  • Regular overpayments are made for the full mortgage term and remain constant throughout the mortgage term
  • Repayment amounts, the potential reduction in time to repay your mortgage, interest saved are rounded up or down accordingly for display purposes
  • The calculator does not factor in any charges for early repayments and is based on a capital repayment mortgage.

Your home or property may be repossessed if you do not keep up repayments on your mortgage.

Frequently asked questions

What's next?

If you wish to make an overpayment please call our team on the number below.

Please have your mortgage account number ready.

Phone number: 0345 300 6086

Relay UK: 18001 0345 300 6086. For more information on accessibility please visit our accessibility pages.

Open Monday to Thursday 8am-8pm, Friday 8am - 6pm, Saturday 9am - 4pm (excluding public holidays). Calls may be recorded. Calls cost up to 10p per minute plus up to 16p connection charge from BT lines. Calls from other networks may vary.