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Our mortgage overpayment calculator can give you an idea of how much money you could save by overpaying on your mortgage and reducing the amount of interest you get charged.
This calculator can be used by anyone with a mortgage. If you have an existing Bank of Scotland interest only mortgage, use our interest only overpayment calculator.
The calculator is for illustrative purposes only and based on certain key assumptions, listed below. It provides an indication of the interest you could save. The calculator doesn’t take into consideration any early repayment charges that may apply and is based on a repayment mortgage.
Before making overpayments talk to your mortgage lender to understand if any early repayment charges apply. If you want to make overpayments to have the effect of reducing your mortgage term, rather than just reducing your monthly mortgage payment, you need to talk to your lender.
Once you've used the calculator find out the next steps available to you.
We use the following assumptions in the calculations: