Mortgage balance over time
Standard repayment path compared with your overpayment scenario.
StandardWith overpayments
Money
Mortgage Repayment Calculator
Model a repayment mortgage with deposit, interest rate, term, and optional overpayments to compare cost and payoff timing.
Monthly repayment£1,604Before voluntary overpayments
Interest saved£34,279Against the standard mortgage path
Time saved3 years 9 months
Mortgage breakdown
Loan amount80.0% LTV£280,000
Standard total interest£201,317
Overpayment total interest£167,039
Estimated payoff21 years 3 months
Assumptions
Calculation notes
- Uses constant-rate repayment mortgage maths with monthly compounding.
- Does not include lender fees, rate changes, early repayment charges, product fees, or overpayment caps.
- This is an estimate for planning, not mortgage advice.