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Can I pay extra towards my mortgage?

If you’d like to make extra payment(s) on your mortgage please contact us first to discuss your options.

Please remember that additional payments are subject to your existing mortgage terms and conditions which may include early repayment charges.

If you pay extra towards your mortgage, the amount you pay will determine whether it’s treated as a capital repayment or an overpayment.

If the equivalent of three times your normal monthly payment is £1,000 or more then:

  • Any extra payment of at least three times your monthly payment will be treated as a capital repayment.
  • Any extra payment less than three times your monthly payment will be treated as an overpayment.

If the equivalent of three times your normal monthly payment is less than £1,000 then:

  • Any extra payment of £1,000 or more will be treated as a capital repayment.
  • Any extra payment less than £1,000 will be treated as an overpayment.

If you have an interest-only flexible drawdown mortgage, any additional payment(s) over £500 will automatically be treated as a capital repayment.