See exactly how many years and how much interest you'd save by overpaying your Virgin Money mortgage — modelled with their typical 10% annual allowance.
You'll be mortgage-free 6 years 9 months earlier
and save £46,940 in interest.
| Without | With overpay | |
|---|---|---|
| Term | 25 years | 18 years 3 months |
| Total interest | £156,277 | £109,338 |
| You save | £46,940 · 6y 9m |
A lower interest rate could save you thousands more on top. See if you could remortgage to a better deal.
We may receive a commission if you remortgage through a partner broker. This never affects the rate you're offered.
Virgin Money offers a broad range of fixed-rate residential mortgages. Their overpayment rules are similar to other high-street lenders — a 10% annual allowance during a fix. This calculator shows exactly what overpaying your Virgin Money mortgage would do to your interest bill and payoff date.
These are general guidelines — the exact allowance and any early repayment charges depend on your specific Virgin Money mortgage product. Always check your mortgage offer or contact Virgin Money before making a large overpayment.
Common questions from Virgin Money mortgage customers.
Free to use on any website — blog post, finance guide, comparison page. Paste this snippet into your HTML and the Virgin Money overpayment calculator will appear.
<iframe
src="https://mortgageoverpays.com/embed/overpayment-calculator/virgin-money"
title="Virgin Money 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.