Manage Your Mortgage


Making overpayments can be a great way to improve your financial position. Each overpayment reduces your mortgage balance and therefore the interest you are charged over the term of your mortgage. Even small overpayments can add up and make a big difference to the total amount of interest that you will pay.

If you can't afford to make regular monthly overpayments, you can always just do this as and when you want to, by using money from an annual bonus or other windfall for example.

It's quicker and easier to use our Self-Serve facility to start the overpayment process online, or you can contact us.

Here are some Frequently Asked Questions about mortgage overpayments:

How does it work?

You can make unlimited, penalty-free overpayments in the form of a lump sum or a regular overpayment each month, provided that the mortgage is not redeemed in full.

Depending on your mortgage, you may be liable to pay an Early Repayment Charge if you make an overpayment – please contact us to find out if this applies to your account(s).

How much should I overpay by?

While there are clear financial benefits to overpaying your mortgage, you should not overpay more than you can afford. If you have other outstanding debts, like credit cards or personal loans, consider if it would be better paying these off first – especially if the interest rate being charged on them is higher than your mortgage. If you have any queries, we recommend you speak to an independent financial adviser.

Choices facility

If Choices is mentioned in your original mortgage offer, you remain eligible to this overpayment facility. It can potentially give you a number of flexible options in the future.
Find out more about Choices.

Next steps

You can use the Self-Serve facility to start the overpayment process online now. If you want to find out which option could be best for you, or if you need more information please contact us.

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