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: 


Already have a mortgage with us?

Log in with your mortgage account number and we'll populate your information in the below calculator.

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

Your current monthly repayment is

New monthly repayment
Amount saved each month
Potential mortgage reduction
Amount of interest you could save
Your current monthly repayment is


Important things to remember

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.

To explain how we’ve worked out your potential savings, we’ve made the following assumptions:

  • How much you pay is based on what you’ve told us or your previous monthly payment
  • You’ll make the same monthly overpayments over the duration of your mortgage term
  • Your interest rate will not change over your mortgage term
  • Months are 12 equal lengths so the monthly interest will not change
  • For display purposes, we’ve rounded up your repayment amount to the nearest £1
  • The possible reduction in time to repay your mortgage is shown in years and months – this is rounded up or down
  • If you choose not to log in then your results will be based on the information you’ve given us
  • Please note if you would like to change the term of your mortgage, a term amendment application form must be completed and an admin fee of £35 must be paid

Please note this calculator should be used as a guide only. It won’t give you a definite figure of how much interest or time you could save paying back your mortgage. It also doesn’t take into account any charges for early repayments and is based on a capital repayment mortgage only. It doesn’t include all the information you need to compare mortgages, so please ask for a mortgage illustration before choosing a mortgage.

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

Frequently asked questions

What's next?

Login to your mortgage account to make a lump sum overpayment or increase your monthly repayments.