Overpayment calculator

Work out how making a one-off lump sum or regular overpayments would affect your monthly payment or length of your mortgage – known as your mortgage term.

You’ll find all the details you need in your hub or on your mortgage statement.

Read about our assumptions below this calculator.
How much is your mortgage balance?*
What is your current mortgage interest rate?*
How long do you have until your mortgage is paid off?
Years*
Months*
What type of overpayment would you like to make?
Lump sum overpayment*
This is a one off payment made to your mortgage account.
Regular monthly overpayment*
These are payments made on top of your normal payment.
Show results

Your current mortgage payment is:
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Your new mortgage payment would be:
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New mortgage term:
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Overpayment calculator
New mortgage balance
Your current mortgage repayments
Your new mortgage repayments
New number of months remaining
Remaining Years
Remaining Months
For cases with 12 months remaining
Next steps

I want to make an overpayment

Name
This field is for validation purposes and should be left unchanged.

This calculator is just a guide to give you an idea of what your mortgage payment would be. The results are based on the following:

You have a repayment (capital and interest) mortgage
Any regular overpayments stay the same for the rest of the mortgage term
Interest is calculated daily and added monthly
There’s no change in interest rate
You make no other changes to your mortgage. This includes your mortgage type, interest rate or mortgage term.

If your mortgage is made up of more than one account, you should calculate them individually.