Mortgage overpayment calculator

Check how much you could save by making regular overpayments.

How do overpayments work?

Regular overpayments can reduce the balance faster, shorten the mortgage term and reduce total interest. Check your product terms because lenders may apply overpayment limits or ERCs.

Your mortgage

£200,000
4.5%
20 years
£200

Savings

Interest saved
£22,937
mortgage shorter by 4.0 years
Current payment£1,265.30
Payment with overpayment£1,465.30
Current total cost£303,672
New total cost£280,735
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Need a more accurate estimate?

Calculators show indicative figures. An adviser can check realistic options after reviewing your situation.

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Sylwia Zgórska
17/03/2026
Kredyt hipoteczny + Ubezpieczenie

"Bardzo polecam Mariusza Wasiluka (broker kredytowy) i Magdalenę Kurowską (ubezpieczenia). Mieliśmy z nimi świetny kontakt od początku do końca. Wszystko jasno tłumaczyli, byli mega pomocni i dzięki nim cały proces był dużo mniej stresujący. Super współpraca!"

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Extend Finance is an authorised mortgage broker regulated by the Financial Conduct Authority (FCA). Our registration number is 792412 — you can verify this at register.fca.org.uk

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