Mortgage Overpayment Calculator
Common Questions
Can I make monthly overpayments?
Yes, most lenders allow monthly overpayments via direct debit which you can cancel anytime.
Are there limits to how much I can overpay?
Typically, lenders cap overpayments at 10% of your outstanding mortgage balance per year.
What’s better: lump sum or monthly payments?
Both can reduce interest and term. Lump sums have immediate impact, while monthly overpayments add up over time.