MORTGAGE OVERPAYMENT
Mortgage overpayment calculator
Compare your normal repayment with a regular monthly overpayment and estimate the time and interest saved.
Estimated monthly repayment
£1,667/month
- Mortgage amount
- £300,000
- Loan-to-value
- 85.7%
- Total interest
- £200,249
- Paid off in
- 25y 0m
- Overpayment saving
- £0
SOURCES & REVIEW
Checked against official guidance
Last checked 14 July 2026 · Rule version GB-2026.27.1
MoneyHelper: Paying off your mortgage early ↗COMMON QUESTIONS
Frequently asked questions
Can I overpay without a charge?
Many mortgages limit penalty-free overpayments. Check the lender’s annual allowance and early repayment charge terms.
Does the saving assume a fixed rate?
Yes. This estimate holds the entered rate constant, so remortgaging or variable-rate changes will alter the result.