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Mortgage Overpayments Calculator

Mortgage Overpayment Calculator

Overpayment Calculator

See what overpaying could save you

Interest you could save

£38,900

And be mortgage free 4 years 2 months sooner

Without overpaying25y 0m
With overpaying20y 10m
Time saved
4y 2m
New payoff time
20y 10m
Speak to an adviser

This is a guide only and not a mortgage offer or financial advice. Figures assume the interest rate stays the same for the full term and that overpayments start now and continue every month. Many lenders cap penalty free overpayments, often at 10% of the balance a year, so check your mortgage terms before overpaying. Your home may be repossessed if you do not keep up repayments on your mortgage.

Mortgage Overpayment Calculator

Overpayment Calculator

See what overpaying could save you

Interest you could save

£38,900

And be mortgage free 4 years 2 months sooner

Without overpaying25y 0m
With overpaying20y 10m
Time saved
4y 2m
New payoff time
20y 10m
Speak to an adviser

This is a guide only and not a mortgage offer or financial advice. Figures assume the interest rate stays the same for the full term and that overpayments start now and continue every month. Many lenders cap penalty free overpayments, often at 10% of the balance a year, so check your mortgage terms before overpaying. Your home may be repossessed if you do not keep up repayments on your mortgage.

Calculators

Smart Tools To Plan Your Finances

Mortgage planning

Affordability Calculator

Get an estimate of how much you may be able to borrow for a mortgage in the UK. This calculator uses your income, deposit, and basic financial details to give you an idea of your potential borrowing range before speaking to a mortgage adviser.

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Monthly payments

Mortgage Repayments Calculator

Calculate your estimated monthly mortgage repayments by entering the loan amount, interest rate, and mortgage term. This helps you understand how different rates or terms could affect your monthly budget.

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Property costs

Stamp Duty Calculator

Work out how much Stamp Duty Land Tax (SDLT) you may need to pay when buying a property in England or Northern Ireland, based on the purchase price and current tax thresholds.

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Mortgage savings

Mortgage Overpayments Calculator

See how making regular or one-off mortgage overpayments could help reduce your mortgage term and the total interest paid over the life of your loan.

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Payment flexibility

Payment Holiday Calculator

Explore how taking a mortgage payment holiday could affect your future monthly payments, overall mortgage term, and total cost, helping you plan ahead during periods of financial change.

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Income planning

Salary Calculator

Calculate your estimated take-home pay after UK income tax, National Insurance contributions, and pension deductions to better understand your net monthly or annual income.

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