Overpayment calculator

This handy calculator will show you what could happen to your mortgage if you were to make a lump sum and/or regular monthly overpayments.

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

If you make a regular or lump sum overpayment, we won’t automatically reduce your mortgage term. To change your term please call us on 0345 300 8000*


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.