Overpayment calculator

If you're looking to reduce your monthly payments or pay your mortgage off sooner, making an overpayment to your mortgage may help you do this.

Wizard

1
Completed: Your overpayments
2
Current: Your results
Completed: Your overpayments
Current: Your results

Questions

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

What type of overpayment would you like to make?

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

Call us on 0800 783 9738 to speak to one of our team and make an overpayment. Our lines are open from 8am to 7pm Monday to Friday and 9am to 2pm Saturday.

This calculator is for illustrative purposes only.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

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). Please take a look at the Making overpayments information to learn more.