About OverPayWise
Mortgage calculators built for clearer financial decisions.
OverPayWise helps homeowners and buyers estimate mortgage overpayments, monthly repayments, affordability, remortgage trade-offs, offset mortgage savings, stamp duty, and related money decisions with practical calculators and plain-English guides.
Built for comparison
What OverPayWise is for
The site exists to help UK buyers and homeowners understand mortgage decisions before they speak to a lender, broker, or regulated adviser. The calculators are designed to make trade-offs easier to see, not to replace regulated advice.
OverPayWise is operated by the OverPayWise site owner as an independent educational mortgage planning website.
OverPayWise is not FCA authorised, does not provide regulated financial advice, and does not arrange mortgages.
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Live calculators
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Mortgage guides
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FAQ answers
Who runs OverPayWise
OverPayWise is operated by the OverPayWise site owner as an independent educational mortgage planning website. Questions about the site, privacy, corrections, or accessibility can be sent through the contact page or by email at contact@overpaywise.com.
Why the site exists
The site exists to help UK buyers and homeowners understand mortgage decisions before they speak to a lender, broker, or regulated adviser.
Educational boundary
OverPayWise is educational only. It provides calculators, lessons, guides, and examples for general information and scenario planning, not advice tailored to your circumstances.
OverPayWise is not FCA authorised, does not provide regulated financial advice, and does not arrange mortgages.
Estimates, not advice
Calculator outputs are planning estimates. Real mortgage outcomes can differ because of lender criteria, product rules, fees, rates, timing, tax, and personal circumstances.
Practical before promotional
Every page should help you calculate, compare, or understand a mortgage decision. We avoid vague money content that sounds helpful but does not improve the next step.
Clear assumptions
Mortgage estimates depend on rates, terms, fees, lender rules, and timing. We aim to make those assumptions visible so results are easier to question and compare.
Careful language
OverPayWise explains possible outcomes without presenting estimates as advice or implying certainty where real mortgage products can vary.
Methodology and editorial standards
How OverPayWise reviews calculations and content.
The framework below explains who maintains the site, why it exists, how assumptions are checked, how review dates are used, how corrections are handled, and how updates are prioritised. OverPayWise is educational only. It provides calculators, lessons, guides, and examples for general information and scenario planning, not advice tailored to your circumstances. OverPayWise is not FCA authorised, does not provide regulated financial advice, and does not arrange mortgages.
Editorial standards
Educational purpose first
Pages should help someone calculate, compare, or understand a mortgage decision. We avoid filler content that does not improve the next step.
Visible assumptions
Calculator pages should show the rates, terms, fees, dates, and user inputs that materially affect the estimate.
Plain-language caveats
Guides and tools should make uncertainty clear, especially where lender rules, tax treatment, fees, investment returns, or interest rates may change.
No advice claims
Content should explain scenarios and trade-offs without telling users which mortgage, lender, investment, or financial decision to choose.
Calculator methodology
Calculators use deterministic formulas and user-entered assumptions to produce planning estimates. They are designed for comparison, not for lender quotes or personalised recommendations.
Editorial methodology
Educational pages explain the decision behind the numbers, link to relevant tools, and highlight limitations that could change the outcome.
Review methodology
Review dates are updated when a calculator, guide, lesson, or trust-critical assumption has been rechecked. Date labels do not mean outcomes are guaranteed.
Calculation review process
Calculator formulas are kept in testable modules where practical, and visible assumptions are reviewed when a calculation, journey, or relevant rule changes.
- 01Keep calculator formulas in isolated, testable modules where practical.
- 02Review assumptions against the visible page copy so users can see what the estimate includes and excludes.
- 03Add or update focused tests when calculation behaviour, input handling, or carried-forward assumptions change.
- 04Run the verification gate before publishing material calculator or journey changes.
- 05Update the relevant last-reviewed date when a calculator, assumption, or methodology explanation has been rechecked.
Editorial process
Guides, lessons, examples, and FAQs are written to explain the decision behind the numbers, not to tell users what product or financial choice to make.
- 01Start from a real user question or calculator decision.
- 02Write in plain English and avoid implying certainty where outcomes depend on lender rules or personal circumstances.
- 03Connect educational content to the most relevant calculator or journey step.
- 04Review visible disclaimers, assumptions, and structured data before publishing.
- 05Keep articles, lessons, examples, and FAQs aligned with the calculator assumptions they explain.
Correction policy
Users can report possible mistakes, outdated assumptions, accessibility issues, or unclear caveats through the contact page. Reports that could materially affect a result or decision pathway are treated as trust-critical.
- 01Review correction reports sent through the contact page or by email.
- 02Check the affected page, formula, assumptions, tests, source content, and visible explanation.
- 03Prioritise corrections that could materially change a calculator result, user journey, legal/tax caveat, accessibility, or trust signal.
- 04Correct material errors promptly, explain the changed assumption where useful, and update the review date when a page or calculator has been rechecked.
- 05Keep minor wording improvements separate from urgent accuracy fixes so trust-critical issues are not delayed by polish work.
Content review process
Content is reviewed against the calculator assumptions it explains, the educational-only boundary, and any changing mortgage, tax, fee, or investment-risk context.
Core mortgage calculators
Reviewed after material formula, journey, or assumption changes and at least annually.
Tax-sensitive calculators
Reviewed when relevant rules change and at least annually. Stamp duty content should be checked against current SDLT rules before relying on outputs.
Guides and lessons
Reviewed when linked calculator assumptions change and at least annually for clarity, accuracy, and educational usefulness.
Investment comparison content
Reviewed carefully for risk wording, uncertainty, tax caveats, and advice boundaries whenever assumptions change.
How updates are prioritised
OverPayWise prioritises updates by user risk and practical usefulness. Accuracy, trust, accessibility, privacy, and broken user journeys come before cosmetic changes or new feature ideas.
- 01Accuracy and trust issues come first, especially calculator errors, outdated tax assumptions, broken journeys, privacy concerns, and accessibility problems.
- 02High-use calculators, primary journey steps, and pages receiving user correction reports are reviewed before lower-traffic polish work.
- 03New features are prioritised only when they improve practical decision quality without weakening the educational-only boundary.
- 04SEO updates are prioritised when they make a page more useful, clearer, or easier to navigate, not just to add more content.
Contact process and corrections
If you spot a possible error, outdated assumption, unclear caveat, accessibility issue, or calculator result that looks wrong, send the page URL, the input values, and what you expected to see. We review correction reports through the contact page and update pages when the issue materially changes the content or estimate.
Contact OverPayWiseCalculator coverage
Useful mortgage and money questions, answered with numbers.
The site started with mortgage overpayments and is growing into a broader calculator suite for common homeowner decisions. Each new tool should add real utility, not just another page.
Important financial information
OverPayWise provides educational information and calculator estimates only. Nothing on this website is financial advice, investment advice, mortgage advice, tax advice, or a recommendation to choose a particular product or provider.
OverPayWise is not FCA authorised, does not provide regulated financial advice, and does not arrange mortgages. Mortgage products, interest calculations, early repayment charges, tax rules, fees, and lender policies can vary. Always check your own mortgage documents and consider professional advice before making a significant financial decision.