Overpayment calculator

Enter the amount you want to overpay and our calculator will show you how your term and/or payments could change.

Once the balance of your overpayments reach £500, we’ll automatically reduce your monthly payment amount. If you’d prefer, you can apply to reduce the length of your mortgage instead, once your overpayment has been made.

You can find the information needed for this calculator through your hub.

This calculator is for illustrative purposes only. Please see the assumptions we have made below the calculator.


This calculator is for illustrative purposes only and we’ve made the following assumptions:

  • Based on a repayment mortgage
  • Any regular overpayments remain the same for the term of the mortgage
  • All years are of equal length
  • Interest is calculated daily and added monthly
  • Multiple sub accounts must be calculated individually
  • There is no change in interest rate that would recalculate your monthly payments
  • There will not be any changes to your mortgage which would result in a recalculation of your monthly payment e.g. changes to your product term, type or change of owners.