Adhoc Overpayment Planner | Mortgage Calculator

Making overpayments reduces your mortgage balance faster, which means less interest accrues over time. The earlier you overpay, the more interest you save, but overpayments at any stage still help you:

Pay off your mortgage sooner
Reduce the total interest paid
Build equity in your home faster

Adhoc payments (one-time lump sums) are a flexible way to reduce your balance whenever you have extra funds available.

💡 Tip: Any overpayment helps, but making them earlier in your term gives you the greatest long-term savings.

Principal (£) Rate (%) Term (months) Start Date Regular Overpayment (£/month) Payment Frequency Fixed-rate period applies

Adhoc Overpayments

Add one-time lump sum payments on specific dates

Date	Amount (£) ⓘOne-time lump sum payment	Action

Summary

Balance Comparison

Payment Schedule Comparison

Period	Date	Payment	Interest	Principal Paid	Balance (Adhoc)	Balance (Baseline)	Interest Saved