Switch to repayment or part & part calculator

How this calculator works

This calculator shows the impact of switching your mortgage from interest only to a full repayment or part & part basis. You’ll see how your monthly payments, the total amount of interest you’ll pay and the balance you owe at the end of your mortgage term could change if you make the switch.

You can also see the impact of increasing your mortgage term at the same time as switching, which we may be able to consider depending on your circumstances at the time.

Please note – if you’re a landlord with a buy-to-let mortgage, we’re unable to change the repayment type of your mortgage. Instead, you could consider making overpayments.

What you’ll need

You’ll need to know your outstanding balance, remaining term and current interest rate of your mortgage.

Find out how to see up to date information about your mortgage.

How it works

• Step 1: Enter details of your mortgage.
• Step 2: Enter the amount you’re considering switching, in £ or as a %.
• Step 3: Consider the additional option of extending your mortgage term.
• Step 4: Check out your results and consider your next steps.

If your mortgage is made up of multiple sub-accounts, you won’t be able to use the calculator and you’ll need to call us to discuss your situation.

Please note – this calculator provides results based on assumptions that may not apply to your mortgage. The results are indicative, and you should use them only as a guide to switching part or all of your mortgage to repayment.