Last updated: 17 September 2026
By Stiv · Design, technology and personal finance
I’ve been overpaying my Nationwide mortgage since October 2021, mostly £100 a month through Sprive, alongside manual payments to the lender. Everything here comes from almost five years of doing it.
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Your home may be repossessed if you do not keep up repayments on your mortgage.
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Mortgage overpayment in the UK means paying your lender more than the monthly amount it asks for, so the balance and the interest charged on it fall sooner. Kept inside your lender’s allowance, it can take years off the term. Go over the allowance on a fixed deal and an early repayment charge can wipe out the saving.
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