Nationwide — Free UK Tool
Nationwide Mortgage
Overpayment Calculator
See exactly how much interest you save and how many years you cut off your Nationwide mortgage by making overpayments.
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Nationwide Mortgage Overpayment Rules
How much can I overpay on my Nationwide mortgage?
Nationwide allows most customers to overpay up to 10% of their outstanding mortgage balance per year without any early repayment charges. This applies to both fixed-rate and tracker mortgages. If you are on Nationwide's standard variable rate (SVR), you can usually overpay by any amount.
How do I overpay my Nationwide mortgage?
You can make Nationwide mortgage overpayments online through the Nationwide website or app, by calling Nationwide directly, or by setting up a standing order to pay extra each month. Always confirm with Nationwide before making large overpayments to avoid any charges.
Will Nationwide reduce my monthly payment or term?
Nationwide typically reduces your monthly payment when you overpay, keeping the term the same. If you want to shorten your term instead, you need to request this specifically from Nationwide. Shortening the term saves more money overall.
Also try our other calculators
Try our general mortgage overpayment calculator, NatWest overpayment calculator, or Halifax overpayment calculator.