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January 1, 2025 — Comments are off for this post.

How to Pay Off Your Mortgage Faster (UK): 7 Moves That Save Thousands

Last updated: 19 April 2026

By Stiv · Design, technology and personal finance

This is the strategy we follow ourselves. We've been overpaying our Nationwide mortgage since 2020, using a combination of Sprive's auto-save feature and the Monzo overpayment calculator to track the impact.

If you want to pay off your mortgage faster in the UK, you don't need extreme budgeting or a "one weird trick". You need a clear plan that focuses on the biggest levers: interest rate, consistency, and avoiding fees. This page is the master strategy guide. It shows you what to do, in what order, and what to check so you don't accidentally trigger Early Repayment Charges.

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Published by Stiv in Discount, Finance, Money saving, Personal finance, Saving, Services

Tags: cashback apps UK, compound interest savings, home finance UK, how to pay off mortgage faster, mortgage calculator, mortgage overpayments, mortgage repayment, pay off mortgage faster, Sprive app, Sprive review, UK mortgage tips

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