Find out exactly how many years and how much interest you'd save by overpaying your UK mortgage. Updates instantly as you type.
You'll be mortgage-free 6 years 9 months earlier
and save £46,940 in interest.
| Without | With overpay | |
|---|---|---|
| Term | 25 years | 18 years 3 months |
| Total interest | £156,277 | £109,338 |
| You save | £46,940 · 6y 9m |
A lower interest rate could save you thousands more on top. See if you could remortgage to a better deal.
We may receive a commission if you remortgage through a partner broker. This never affects the rate you're offered.
Mortgage interest compounds against you. Every overpayment shrinks the balance interest is charged on — so the saving snowballs over the years.
We run a full month-by-month schedule with and without your overpayments, then show you the gap. Same approach your lender uses.
Most UK lenders cap fee-free overpayments at 10% of the balance per year on a fix. Toggle 'Advanced' to model your lender's limit.
Quick answers about overpaying a UK mortgage.
Same maths, different framing — see how much you'd save by paying off your mortgage early, with a lump sum, or simply sooner than the contracted term.
Straight answers to the questions UK homeowners actually ask before overpaying.
Same calculator, tailored guidance for your lender's overpayment rules and limits — Halifax, Nationwide, Santander, NatWest, Barclays, HSBC, Lloyds, TSB and Virgin Money.
Side-by-side comparison of overpayment caps, ERCs and reset windows for all 9 major UK lenders.