Mortgage overpayment calculator

Shows how regular overpayments or a one-off lump sum shorten your mortgage and cut the interest you pay.

Assumptions

The rate stays the same for the rest of the term, and overpayments shorten the mortgage rather than lowering the monthly payment. Many fixed-rate deals limit how much you can overpay each year before an early repayment charge applies, so check your lender's terms first.

Other calculators

Estimates only, not advice. These calculators do arithmetic on the numbers you enter. They don't check your credit file, apply a lender's affordability rules or know which products you qualify for. Nothing you type is stored or sent anywhere. For a figure you can act on, speak to an FCA-authorised mortgage adviser.