Thinking about reducing your monthly mortgage payments? Or better yet, paying off your mortgage sooner? You could do this by making overpayments each month or with a lump sum. Use our overpayment mortgage calculator to see how additional payments could impact your mortgage.​ Play around with different amounts to see what works best for you.


Completed: Your overpayments
Current: Your results
Completed: Your overpayments
Current: Your results


Enter your details to find out how an overpayment could impact your mortgage, or log on to Mobile or Online Banking for a personalised illustration.

What type of overpayment would you like to make?

How to make an overpayment 

Make single overpayments and set up, edit and cancel regular overpayments in our mobile app.

Don’t have our mobile app? You can download our app to your phone or device. You can use the same details you use for Online Banking.

Use Online Banking to make an overpayment when it suits you. Log on, choose your mortgage account and then 'Manage my mortgage'.

Or, you can get in touch with our mortgage team. Our opening hours are 8am-6pm Monday to Friday, and 9am-2pm Saturday.

This calculator is for illustrative purposes only.


Important information

This calculator is for illustrative purposes only. It does not provide a precise calculation. It's intended to give you information and guidance about potential interest savings, term reductions and monthly payment reductions. Please note the calculator does not factor in any early repayment charges.

To illustrate savings, we’ve made the following assumptions:

  • The results displayed are based on the information you have entered
  • The interest rate will remain the same for the term of the mortgage
  • The results are based on a repayment mortgage
  • Savings are rounded down to the nearest pound and year

If you're on our Follow-on Rate, Standard Variable Rate or a tracker rate mortgage, you can make unlimited overpayments with no early repayment charge. If you're on a fixed rate mortgage, you can overpay up to 10% of your outstanding balance each calendar year (January to December). If you don’t use your full 10% allowance, you won’t be able to carry it over into future years. If you’re redeeming your mortgage (repaying everything you owe), or transferring to a new deal where you must pay an early repayment charge, you won’t be able to use the 10% allowance. Please take a look at our mortgage overpayments page or our paying off your mortgage early page to learn more.