Free financial calculator
Mortgage Overpayment Calculator
Estimate the interest and time potentially saved by regular mortgage overpayments.
Use the calculator ↓Adjust the assumptions
Mortgage Overpayment Calculator
Estimate the interest and time potentially saved by regular mortgage overpayments.
Result
£0
View year-by-year breakdown ＋
| Year | Contributions | Growth | Balance |
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Questions answered
What this calculator helps you work out
- How much mortgage interest could overpayments save?
- How much sooner could the mortgage be repaid?
- What would the new total monthly payment be?
Common questions
Mortgage Overpayment Calculator FAQs
Can lenders limit overpayments?＋
Yes. Many mortgages have annual limits or early repayment charges.
Does the interest rate stay fixed in reality?＋
Not always. This calculator holds it constant for comparison.
Are one-off overpayments supported?＋
Use the reduce-term-or-payment calculator to model a lump sum and compare both possible outcomes.
Can I use this for an interest-only mortgage?＋
Use the dedicated interest-only mortgage overpayment calculator instead, because the normal payment does not amortise capital in the same way.