Advanced options for UK buyers: fees, SDLT, overpayments, and rate types.
Chart mode
Mortgage balance over time
25 years
Forecast start: Feb 2026
Cap year 1 overpayment cap: £31,500 (10% of cap-year opening balance). Remaining allowance after your current entries this cap year: £31,500 over the next 12 months. Estimated cap year 2 cap: £30,778.
Model assumption: overpayments are applied as 100% principal reductions.
Milestone insights
Interest paid + LTV
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UpgradeMonthly payment
£1,706.48
Payment £1,706.48 + monthly overpayment £0.00
Intro rate for 2.0 years.
Rate details
fixed (2.0 years intro remaining)
Reverts to 5.50% after intro.
Mortgage type: repayment
Mortgage timeline
Intro payment
£1,706.48
4.25% for 2.0 years
Revert payment
£1,919.31
5.50% for remaining term
