Notices

Our new and improved Online Service is here.
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
We have launched a new issue of our Online Saver, paying 4.55% Gross AER on balances of £100+. Find out more

The Online Saver (10) is now available for applications via our Online Service. Find out more and apply.
Rate changes following Bank of England decision to decrease its Bank Rate by 0.25% to 4.25% on 8 May 2025. Read more

Savings: Interest rates for Windfall Bond and Tracker Savings Bond will decrease by 0.25% from 1 June 2025. We will be writing to all customers individually to confirm the new rates.
Mortgages: Tracker mortgages will change on 25 June 2025 and we will write to customers individually with revised payment details where the new rate exceeds the minimum rate (or ‘floor’) already applying to their mortgage.

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