A free, independent tool helping UK homeowners take control of their mortgage.
MortgageCalc UK is a free, independent mortgage overpayment calculator built specifically for UK homeowners. We're not a bank, a broker, or a financial product seller. We don't earn commission and we don't have a vested interest in what you do with your money.
Our sole purpose is to give you clear, accurate, and easy-to-understand information about what overpaying your mortgage could mean for your finances — so you can make an informed decision.
Millions of UK homeowners overpay thousands of pounds in unnecessary mortgage interest every year — not because they can't afford to do better, but because the information isn't presented clearly. We're here to change that.
Our calculator and all guides are completely free to use with no sign-up required.
Built around UK mortgage rules — £ sterling, UK lender policies, and UK tax rules.
We don't store your mortgage details. Everything runs locally in your browser.
No jargon. We explain everything in clear, simple language anyone can understand.
MortgageCalc UK is an informational resource only. We are not authorised or regulated by the Financial Conduct Authority (FCA). Nothing on this website constitutes financial advice.
Our calculator results are illustrative — they assume a fixed interest rate throughout the mortgage term, which may not reflect your actual situation. Actual savings will vary depending on your lender's terms, interest rate changes, and any early repayment charges that may apply.
Always consult your lender and consider speaking to an independent financial adviser (IFA) authorised by the FCA before making changes to your mortgage payments.
Use our free calculator to see how much you could save by overpaying your mortgage.
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