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Reduce your mortgage


Reduce your mortgage

Are you looking forward to the day when you make your last ever mortgage repayment? There are ways of using your mortgage and bringing that day closer.

You can reduce your monthly payments or the term of your mortgage by offsetting or overpaying. Your individual circumstances will determine which is best for you so we've provided information on each to help you decide.

 
use your savings to cut years off your mortgage

Calculate

calculate
Use our offsetting calculator to see how much you could save.
Calculate

Overpaying

Giving you the freedom to reduce your mortgage term or monthly repayments.

Find out more about overpaying

Offsetting

Use your savings to cut thousands off your mortgage or years off your term.

Find out more about offsetting


You may also be interested in:

Borrowing more. Find out how Cash Reserve works. Watch our demo
Freestyle Rewards. Enhanced savings rates just for you. Read about Freestyle Rewards
Saving money. Pay your mortgage off early. Overpay or Offset


YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
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This web site is intended for the information of residents of the United Kingdom. Standard Life Bank plc (SC173685) is registered in Scotland at Standard Life House, 30 Lothian Road, Edinburgh EH1 2DH and authorised and regulated by the Financial Services Authority, except for Buy To Let mortgages. Please click on one of the following links for full details of our important legal notice, data protection policy and our cookie policy.

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