MortgageOverpays
For TSB mortgage customers

TSB mortgage overpayment calculator

See exactly how many years and how much interest you'd save by overpaying your TSB mortgage — modelled with their typical 10% annual allowance.

Your mortgage

UK calculator
Estimated monthly payment£1,254
Your overpayment result

You'll be mortgage-free 6 years 9 months earlier
and save £46,940 in interest.

New payoff
September 2044
was June 2051
Total interest
£109,338
was £156,277

Balance over time

Without overpaying With overpaying
WithoutWith overpay
Term25 years18 years 3 months
Total interest£156,277£109,338
You save£46,940 · 6y 9m

Want to clear it even faster?

A lower interest rate could save you thousands more on top. See if you could remortgage to a better deal.

Check remortgage rates

We may receive a commission if you remortgage through a partner broker. This never affects the rate you're offered.

Overpaying your TSB mortgage

TSB is a UK high-street lender with competitive fixed-rate deals. Their overpayment rules follow the typical 10% annual allowance pattern. Use this calculator to see exactly how much time and interest you'd save by overpaying your TSB mortgage within that cap.

What to know about TSB overpayments

  • TSB typically lets you overpay up to 10% of the original loan amount per calendar year without early repayment charges while on a fix or tracker.
  • Overpayments can be made via TSB Internet Banking, the app, by phone, or in branch. Regular overpayments are simplest as a standing order.
  • TSB applies overpayments to reduce the term by default — keeping monthly payments unchanged for maximum interest saving.
  • Above the 10% cap, an ERC of 1–5% on the excess typically applies. On the TSB Homeowner Variable Rate, overpayments are usually unlimited and fee-free.

These are general guidelines — the exact allowance and any early repayment charges depend on your specific TSB mortgage product. Always check your mortgage offer or contact TSB before making a large overpayment.

TSB overpayment FAQs

Common questions from TSB mortgage customers.

Embed this calculator on your site

Free to use on any website — blog post, finance guide, comparison page. Paste this snippet into your HTML and the TSB overpayment calculator will appear.

<iframe
  src="https://mortgageoverpays.com/embed/overpayment-calculator/tsb"
  title="TSB Mortgage Overpayment Calculator"
  width="100%"
  height="1100"
  style="border:0;max-width:880px;width:100%"
  loading="lazy"
  referrerpolicy="no-referrer-when-downgrade"
></iframe>

The widget is fully responsive and links back to MortgageOverpays. No tracking scripts or cookies beyond what's needed for the calculator to run.

Other UK lender calculators

HalifaxNationwideSantanderBarclaysNatWestHSBCLloyds BankVirgin Money