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Mortgage overpayment calculator

Our mortgage overpayment calculator shows you how much quicker you could pay off your mortgage by making overpayments every month - and how much you'll save by doing so.

Find out how much you could save by overpaying your mortgage, plus how quickly you could pay the loan off compared to your current term, with our mortgage overpayment calculator.

If you have a question about mortgage overpayments or are considering remortgaging as an additional way of saving money, call Which? Mortgage Advisers for a free consultation on 0800 197 8461.

Why overpay your mortgage?

If you can afford to do it, overpaying your mortgage can be a great way of saving money in the long run. This is because, by clearing the debt quicker, you'll spend less time paying interest on what you owe - which can mean saving thousands of pounds.

In the shorter term, overpaying your mortgage can also help you get a better deal when you come to remortgage. This is because you'll own a greater proportion of your home, meaning you can borrow at a lower LTV (loan-to-value ratio) - which often means better rates.

More mortgage calculators

Need to make more calculations? Our full range of mortgage calculators can help you find out everything from how much your repayments could change if interest rates rose to where you should buy a home.

Get expert mortgage overpayment advice

If you'd like personalised advice on overpaying your mortgage, or want help remortgaging to a cheaper deal, call Which? Mortgage Advisers for a free chat on 0800 197 8461 - or fill out the form below and they'll call you.


Which? Mortgage Advisers listen carefully to what you need, then search thousands of mortgages to choose the No.1 for you, even if you can only go direct.

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Your home may be repossessed if you do not keep up your mortgage repayments