• 0333 012 4015
Mortgage quote

Buy my first home

Move to a new home

Remortgage

Invest in property

First-time buyers

  • Step onto the property ladder with expert guidance and enhanced affordability

Home movers

  • Upsizing or relocating? We'll secure the perfect mortgage for your next move

Remortgaging

  • Unlock better rates or release equity with personalised, straightforward advice

Buy-to-let

  • Discover tailored mortgage solutions to build or expand your rental portfolio

Over 50s

  • Flexible later-life mortgage options designed to support your future plans

Life insurance

  • Protect your family financially if you’re no longer around

Income protection

  • Replace lost income if illness or injury stops you working

Critical illness cover

  • Receive a payout if you’re diagnosed with a serious condition

Landlord insurance

  • Protect your rental property and the income it generates

Affordability calculator

  • Estimate how much you could borrow and what your repayments might look like

Remortgage calculator

  • Work out how much you could save by switching to a new deal

Stamp Duty calculator

  • Calculate how much Stamp Duty you’ll pay on your property purchase.

Mortgage rates comparison

  • Compare current mortgage rates and deals from over 100 lenders.

Remortgage rates comparison

  • View the latest remortgage rates and available deals from over 100 lenders

Learn

  • Explore clear, practical guides to help you plan, apply and move forward with confidence.

Why we exist

  • Helping a new generation of buyers navigate homeownership with clarity and confidence

Meet the team

  • The people helping thousands of buyers move forward with confidence

Customer stories

  • See how buyers like you achieved their goals with Muttuo

Our lenders

  • Explore the trusted lenders we work with to secure better outcomes

Sustainability

  • One completed mortgage. One tree planted. Supporting long-term environmental impact

Contact us

  • Speak to our team whenever you need clear, practical support
Home
Calculators
Regular overpayment

Regular overpayment calculator

Enter your remaining mortgage balance, term, interest rate and planned monthly overpayment to estimate how much interest you could save and how much sooner you could repay your mortgage.

Results are illustrative and may differ from your lender’s calculations.

Your details

Your results

Enter your mortgage details to see how monthly overpayments could affect your mortgage.

Your next steps

Your overpayment estimate can help you understand the potential impact of paying more each month. Compare remortgage savings, explore current rates and see how different mortgage terms could affect your repayments.

percentage sign with coin stack icon

See if remortgaging could save you money

Compare your current mortgage with a different interest rate to estimate how much you could potentially save.

Calculate remortgage savings →
Remortgage house per cent icon

See what mortgage rates are available

Compare current mortgage rates and explore whether switching to a different deal could affect your monthly repayments.

Compare mortgage rates → 
Calculator display icon

Explore your mortgage repayments

See how different mortgage amounts, interest rates and terms could affect your estimated monthly repayments.

Calculate repayments →

Want help reviewing your mortgage?

Not sure whether overpaying, remortgaging or changing your mortgage could be right for you? Our advisers can compare mortgage options across 100+ lenders and help you understand what could work for your circumstances.

Speak to a mortgage adviser

Your questions answered

A mortgage overpayment calculator estimates how making regular additional payments towards your mortgage could affect the amount of interest you pay and how long it takes to repay the mortgage.

Our calculator also shows your estimated monthly payment with and without the overpayment, alongside the potential reduction in your mortgage term.

The calculator uses your outstanding mortgage balance, remaining term, current interest rate and monthly overpayment amount.

It compares continuing with your normal repayment mortgage against making the additional monthly payment you enter. The estimate assumes your interest rate and monthly overpayment remain unchanged.

Yes. Because the calculator treats your overpayments as additional payments towards the mortgage balance, they can help you repay the mortgage sooner.

The results show the estimated reduction in your mortgage term in years and months. Your lender’s calculations may differ.

Potentially. Reducing your mortgage balance sooner can mean less interest is charged over the remaining mortgage term.

The amount you could save will depend on your mortgage balance, interest rate, remaining term and the amount you overpay.

There can be. Some mortgage products may restrict how much you can overpay without additional charges.

This calculator does not include early repayment charges, fees or lender overpayment limits. Check the terms of your mortgage before making additional payments.

Potentially. Overpaying reduces your existing mortgage balance, while remortgaging could allow you to move to a different mortgage deal.

The most suitable option will depend on your current mortgage, available rates, fees, early repayment charges and personal circumstances. Comparing the overall costs can help you understand your options.

Important information

These results are estimates for general information only and do not constitute personal mortgage advice.

They assume a repayment mortgage, an unchanged interest rate and the same monthly overpayment until the mortgage is repaid. The calculator treats overpayments as reducing the mortgage term.

Fees, early repayment charges and lender overpayment limits are not included. Check your mortgage terms before making overpayments.

Your home may be repossessed if you do not keep up repayments on your mortgage.