Important: This calculator provides illustrative estimates only (not mortgage advice).
Your home may be repossessed if you do not keep up repayments on your mortgage.
Overpaying may reduce interest, but some mortgages have early repayment charges and overpayment limits.
Assumptions: constant interest rate; monthly compounding; payments made monthly; lump sum (if used) paid with next payment; ignores fees / early repayment charges and lender-specific overpayment limits.
Results are illustrative only.