Thinking about making extra payments on your mortgage? Our Overpayments Calculator helps you see how even small additional payments can make a big difference.

Why Make Overpayments?
Overpaying your mortgage means paying more than your required monthly amount. This can help you:

• Reduce your mortgage term — become mortgage-free sooner.
• Save thousands in interest — less debt means less interest.

What You Can Calculate
Use our calculator to explore:

• How much interest you could save
• How many months or years you could shave off your mortgage

Things to Consider Before making overpayments:

• Check if your lender allows them — some have limits or penalties.
• Make sure you’re not exceeding your annual overpayment allowance (often 10% of the outstanding balance).
• Consider whether you need flexibility — overpayments may reduce your cash buffer.

Try It Now Enter your mortgage details and see how much you could save.