Notices

Online Service update. Due to essential maintenance, our Online Service will be unavailable from 12am to 8pm on Saturday 13 June, and again from 10pm to 12am on Tuesday 16 June. We apologise for any inconvenience this may cause.
We've launched a new issue of our Online Saver (12), paying 4.15% Gross AER on balances of £100+. Find out more and apply.
Existing customers: we have increased the interest rates on our Fixed Rate ISAs and Flexible ISA. Find out more

Existing customers: We have increased our interest rates for Fixed Rate ISA products and our Flexible ISA from 27 April 2026.
Savings customers: we have increased the interest rates on our Fixed Rate Bonds. Find out more

The interest rates on our Fixed Rate Bond products have increased from 13 May 2026.

Mortgage overpayment calculator

See how making overpayments on your mortgage could save you money by reducing your mortgage term or the amount of interest charged.

The mortgage will be secured on your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

This mortgage calculator is for illustrative purposes only. It provides an estimate of overpayment effects against your current interest rate. Please note the calculator does not factor in any early repayment charges.

All fields marked '*' are required

Your mortgage & overpayments

Is your mortage repayment or interest-only? *

Repayment

Interest-only

Current outstanding balance? * (£)

What's your remaining mortgage term * (years)

What's your mortgage interest rate? * (%)

With a repayment mortgage, you can add regular overpayments, a lump sum overpayment or both combined

Regular monthly overpayments

Lump sum overpayment