OverPayWise
Mortgage planning tools
Start here
Choose the mortgage decision you are making.
The Mortgage Dashboard is your planning hub once you want to understand your position, review progress, and continue the journey.
Site
Switch or stay
Compare current and new deals, product fees, ERCs, LTV bands, follow-on rates, and break-even timing.
Remortgaging journey
Start with the current position, compare a remortgage, check charges, and understand the fee trade-off.
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Journey stage
Review whether to switch, stay, or adjust your mortgage before the current deal ends.
Calculator
Compare your current mortgage with a new deal, including ERCs, fees, follow-on rate, break-even point, and savings.
Estimate whether a mortgage overpayment or switch could trigger an early repayment charge.
Guide
Understand fees, ERCs, cashback, and the month a switch may start to pay off.
Lesson
Learn LTV, product fees, ERCs, break-even calculations, and remortgage savings maths.