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Ultimate Mortgage Calculator

Rate rises, mortgages, remortgages, overpayments, fixes and more

Compare fixed-rate mortgages Ditch
your fix?
Repay mortgage with savings? How much can I borrow?
Basic mortgage Compare two mortgages Overpayment calculator Offset mortgage vs savings Saving for deposit?
What does this calculator do?
Works out how much you could save by paying more than your standard mortgage payment (known as overpaying). Important! some mortgages charge fees if you overpay - you MUST check this.

Check the Should I Overpay My Mortgage? guide first.
Current mortgage debt    £
Remaining mortgage term   years
Annual Interest Rate   %
Monthly payment
(excl any overpayment)
Mortgage type  
One-off overpayment
Recurring overpayment


In order to create these results we have had to make a few assumptions. 1) Interest is charged monthly 2) Interest rate stays the same over the term 3) If you selected 'Interest only', we assume your standard monthly payment doesn't decrease even if you pay off some of the balance

IMPORTANT! Please read

This information is computer-generated and relies on certain assumptions. It has only been designed to give a useful general indication of costs.

It's important you always get a specific quote from the lender and double-check the price yourself before acting on the information. We cannot accept responsibility for any errors (please report faults above).

What the * means above

If a link has a * by it, that means it is an affiliated link and therefore it helps MoneySavingExpert stay free to use, as it is tracked to us. If you go through it, it can sometimes result in a payment or benefit to the site. It's worth noting this means the third party used may be named on any credit agreements.

You shouldn’t notice any difference and the link will never negatively impact the product. Plus the editorial line (the things we write) is NEVER impacted by these links. We aim to look at all available products. If it isn't possible to get an affiliate link for the top deal, it is still included in exactly the same way, just with a non-paying link. For more details, read How This Site Is Financed.

Duplicate links of the * links above for the sake of transparency, but this version doesn't help

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