Who operates OverPayWise
OverPayWise is operated by the OverPayWise site owner as an independent educational mortgage planning website. Questions about these terms can be sent through the contact page or by email at contact@overpaywise.com.
Educational use only
OverPayWise provides educational information and planning estimates. The website does not provide mortgage advice, regulated financial advice, tax advice, investment advice, product recommendations, lender recommendations, broker services, mortgage arranging, or advice tailored to your personal circumstances.
OverPayWise is not FCA authorised, does not provide regulated financial advice, and does not arrange mortgages. You should not make a mortgage, investment, tax, borrowing, or home-buying decision based only on OverPayWise content.
Check your own documents and consider speaking with your lender, broker, solicitor, tax professional, or regulated adviser before making a significant financial decision.
Calculator estimates and carried-forward values
Calculator results are estimates based on the inputs and assumptions shown on the page. Real outcomes can differ because mortgage products, interest calculation methods, lender rules, fees, tax rules, payment timing, property details, investment returns, and personal circumstances vary.
Mortgage journeys may carry values between calculators to make scenario planning easier. You remain responsible for checking that carried-forward values, rates, terms, fees, deposits, mortgage amounts, monthly payments, overpayments, offset savings, surplus cash, and investment assumptions are correct before relying on any estimate.
Investment comparison tools
Tools such as overpay vs invest and offset vs overpay vs invest use assumed investment returns and simplified tax/fee caveats to compare scenarios. They do not forecast markets, recommend an investment, or say that investing is suitable for you.
Learning content
Mortgage maths pages, tutorials, worked examples, and practice questions are designed to explain concepts and improve understanding. They are simplified educational examples, not a complete statement of how every lender, tax rule, investment, or mortgage product works.
Your responsibilities
OverPayWise can help you ask better questions, but you are responsible for how you use the information. In particular:
- Check that every value you enter or carry forward is correct before using an estimate.
- Read calculator assumptions, caveats, and methodology notes before comparing scenarios.
- Check your mortgage documents, lender rules, tax position, and product terms before acting.
- Avoid entering or sending sensitive account, identity, or bank details.
- Use professional support where a decision depends on your personal circumstances.
Contact, feedback, and correction reports
You may use the contact form to send feedback, report mistakes, suggest calculator improvements, raise accessibility issues, or ask about website content. We cannot provide personal mortgage advice, investment advice, tax advice, product recommendations, or regulated financial advice through the contact form or by email.
Correction reports are reviewed under the correction policy. If an issue materially affects a calculator, caveat, or journey, it may be prioritised ahead of lower-risk content updates.
Privacy, cookies, and analytics
OverPayWise may use cookies and analytics to understand website usage and improve the experience. Contact submissions are used to read, triage, and respond to messages. Analytics should describe page and feature use, not sensitive calculator values. Data rights and privacy contact options are explained in the Privacy Policy.
External links
Links to external websites are provided for convenience or context. OverPayWise is not responsible for external content, availability, accuracy, advice, services, or privacy practices.
Availability and changes
We aim to keep the website useful and available, but features, calculators, routes, content, assumptions, analytics setup, and contact processes may change over time. We do not guarantee uninterrupted access or that every calculation will be complete, current, or suitable for your circumstances.
Contact
Questions about these terms can be sent through the contact page or by email at contact@overpaywise.com. Privacy questions use the same contact route. You can also read the methodology and editorial standards for more detail on how OverPayWise reviews calculations and content.