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How much can I overpay on my mortgage?

Overpayment restrictions do not apply if you are on a Standard Variable Rate.

Depending on the terms for your current mortgage and if you are on a tracker or fixed rate deal, overpaying more than 10% of your outstanding balance in any one year may trigger an Early Repayment Charge. If you are considering overpaying by more than 10% in any one year please get in touch with our mortgage team.

To check your term please refer to your most recent mortgage statement by logging into Manage Your Mortgage (opens in a new window). The information shown is updated overnight, so may not include any changes to your mortgage balance today.

If you would like to make an overpayment of less than 10%, you can either make a lump sum payment or make regular extra monthly overpayments. If you would like to work out how much you could save by making overpayments you can use our overpayment calculator (opens in a new window).

Contact our Mortgage Team via online chat on our Manage your mortgage page (opens in a new window), who will be happy to help you. Open Monday to Friday 9am - 6pm, Saturday 9am - 4pm (excluding public holidays).