Notices

Online Service update. Due to planned essential maintenance, our Online Service will be unavailable from from 8am to 5pm on Sunday 14 December. We apologise for any inconvenience this may cause.
Important update to the Financial Services Compensation Scheme (FSCS) deposit protection limit

From 1 December 2025, the FSCS deposit protection limit for your savings will increase to £120,000, up from £85,000. Read more about the FSCS changes.
View our Christmas opening hours and information on bank transfer processing times over the Christmas period.
Our new and improved Online Service is here. Find out more

We've made some improvements to our Online Service. With several enhancements and added benefits our Online Service is now simpler and easier for you to use. Online Service changes

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