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Mortgage Overpayments Explained: A Complete UK Guide
Everything you need to know about overpaying your mortgage, from basic concepts to advanced strategies.
8 min readBanks give you statements. We give you clarity. Watch how an extra £200 per month transforms a 25-year mortgage into 17 years — and saves you nearly £50,000 in interest.
Total interest saved
£47,832
Everything you need to understand, optimise, and track your UK mortgage
See how extra payments reduce your term and total interest. The most detailed visualisation available.
Full month-by-month breakdown of every payment, showing exactly how your balance decreases.
Planning a bonus payment? See the exact impact of a one-off overpayment on your mortgage.
Should you overpay or invest? Compare the opportunity cost with current ISA rates.
Set a target date and find out how much extra you need to pay each month to hit it.
Calculate stamp duty for your next purchase, including first-time buyer relief.
Not another generic calculator. MortgageViz understands UK mortgages, terminology, and your goals.
Every data point becomes a graph. See your mortgage progress, not just numbers.
Check your progress after making a payment. Designed for your phone first.
Your financial data stays on your device. We don't sell data. Ever.
No page reloads. Results update as you type with smooth animations.
Proper terminology, UK tax rules, lender limits, and realistic rate assumptions.
Log payments and watch your progress. Celebrate milestones along the way.
Clear, practical advice for UK homeowners. No jargon, no fluff.
Everything you need to know about overpaying your mortgage, from basic concepts to advanced strategies.
8 min readThe classic question. We break down the maths and help you decide what's right for your situation.
6 min readMost UK lenders allow 10% overpayment per year. But the details matter. Here's the full breakdown.
5 min readNo sign-up needed. Enter your details and see exactly how overpayments could transform your mortgage.
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