Last updated: 9 June 2026

By Stiv · Design, technology and personal finance

I've had a Nationwide mortgage since 2021 and have been making regular overpayments using Sprive and manual standing orders throughout that time. These are approaches I use myself.

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Not financial advice. CoolCuration is not authorised by the Financial Conduct Authority. This article is for information only. Your home may be repossessed if you do not keep up repayments on your mortgage. Consider consulting a qualified mortgage adviser before making changes to your repayment plan.

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If you want to save thousands on your mortgage in the UK, you don't need a financial planner or a lucky inheritance. You need a handful of practical, repeatable moves that chip away at the interest you're paying every single month. This guide covers the changes that actually move the numbers, from switching to a better rate to automating small overpayments, so you can keep more of your money where it belongs.

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