NatWest — Free UK Tool
NatWest Mortgage
Overpayment Calculator
See exactly how much interest you save and how many years you cut off your NatWest mortgage by making overpayments.
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NatWest Mortgage Overpayment Rules
How much can I overpay on my NatWest mortgage?
NatWest 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 NatWest's standard variable rate (SVR), you can usually overpay by any amount.
How do I overpay my NatWest mortgage?
You can make NatWest mortgage overpayments online through the NatWest website or app, by calling NatWest directly, or by setting up a standing order to pay extra each month. Always confirm with NatWest before making large overpayments to avoid any charges.
Will NatWest reduce my monthly payment or term?
NatWest 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 NatWest. 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.