Overpayment
Calculator
Discover how much you could save by overpaying your mortgage. See the impact on your term length and total interest paid. Check your LTV ratio with our LTV calculator on this page.
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How this calculator works
Input your current mortgage balance, rate and term, then add a regular overpayment amount and/or a one-off overpayment. The tool shows how much interest you save, how much sooner the mortgage could be cleared and the effect on your total repayment. Results reflect UK-style capital repayment; early repayment charges are not included.
Overpayment Calculator
The Power of
Overpayments
Making overpayments on your mortgage can significantly reduce both your mortgage term and the total interest you pay. Even small additional payments each month can lead to substantial savings over the life of your mortgage.
Most lenders allow you to overpay up to 10% of your outstanding mortgage balance each year without incurring early repayment charges. Some mortgages offer unlimited overpayment options, which can be ideal if you have irregular income or expect a bonus.
10%
Typical annual limit
Most lenders allow this without ERCs
£100/mo
Small overpayment
Can save thousands over a 25-year term
Our overpayment calculator shows you exactly how much you could save by making regular or one-off additional payments. You'll see the impact on your remaining term and total interest — helping you make informed decisions about your mortgage strategy.
Speak to an Expert
Our calculators give you a useful estimate, but your actual mortgage and protection options depend on your full circumstances, credit history and lender criteria. Clearview Mortgage Solutions’ FCA regulated—our CeMAP-qualified advisers are on hand to explain how each calculator applies to you and to help you compare real mortgage quotes from 90+ UK lenders.
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Calculate Your
LTV Ratio
Understanding your loan-to-value ratio helps you find the best mortgage rates. What is LTV? →