UK mortgage calculator with overpayment impact
Calculate repayments, fees, interest, deal-end balance, and how monthly overpayments could reduce balance at end of initial deal.
Why this calculator is different
- Initial-deal overpayment impact. See how monthly overpayments could reduce balance at end of initial deal. Illustration is not a full overpayment plan and does not handle lender overpayment limits or early repayment charges.
- Published lender checks. Core repayment calculations checked against published examples from Barclays, Halifax, HSBC, Lloyds, Nationwide, NatWest, and Santander.See seven-lender calculation evidence
- Phase-aware cost comparison. Initial and follow-on rates plus financed product fees feed custom fee-inclusive effective annual rates for initial-deal and full-term comparison. These rates are not regulatory APRC figures.