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Overpayments are additional payments that you can make over and above your monthly payment.

There are two ways to make an overpayment to your mortgage, either by making a lump sum payment or by making regular extra monthly overpayments. You can use our overpayment calculator found in our online service portal Manage Your Mortgage (opens in a new window), to help you work out how much you can save. Just select 'My payments and services' from the main menu and then choose 'My payments'

You can make a lump sum overpayment by also logging in to Manage Your Mortgage (opens in a new window). Just select 'My payments and services' from the main menu. Underneath the sub menu 'My payments' choose the 'make a payment (Overpayment, missed mortgage payment or manual mortgage payment)' option and select 'lump sum overpayment'.

When you use this service, you’ll see all the information you need, including your remaining annual allowance if you have a fixed interest rate. If you make a lump sum overpayment, we may recalculate your contractual monthly payment to reflect the reduced balance. If we do reduce your monthly payments, the term of your mortgage will stay the same and you will pay off your mortgage in the same amount of time. You’ll see any impact on your monthly payments before you agree to make a payment.

If you would prefer to pay your mortgage off sooner than planned by making an application to reduce the term, please call us and we can take you through the process.

Phone Number: 0345 302 0190
Next Generation Text Service: 18001 0345 302 0190
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Open Monday to Thursday 8am - 8pm, Friday 8am - 6pm, Saturday 9am - 4pm (excluding public holidays)
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