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Lump sum overpayments are a great way of reducing the interest you pay over the lifetime of your mortgage. They are payments you can make in addition to your monthly payment as and when you want to. You can also benefit from reducing your monthly payment to put a little extra in your monthly budget.

You can find how much you can overpay on your mortgage by using our self service platform 'Manage my mortgage'. This is the easiest way to find information which is specific to you. There's lots of other helpful information to help you decide how much to pay, and you'll see what your balance and monthly payments will be if you continue to make the payment. If you have a fixed interest rate or tracker product, you'll see how much you can overpay before an early repayment charge applies in your current allowance period. If you are on our standard variable rate, you'll see that you can overpay as much as you like without an early repayment charge.

If you decide to go ahead and make a payment then this is also the quickest way to get your money into your mortgage account. Once your payment is made, you'll receive email confirmation to help you keep track and it'll be added to your mortgage within a few hours.

You can find 'Manage my mortgage' in the Royal Bank of Scotland app or Digital Banking. If you haven't used them yet, here's some guidance (opens in a new window) on how to access them. It doesn't matter whether you have other NatWest accounts or just a mortgage.

If an app isn't for you, you can also use Manage your Mortgage (opens in a new window) where you can just see your mortgage account.

Once you've logged in, select 'My payments and services from the main menu, 'My payments' and then 'Make a payment'. Lump sum overpayment is the option you need.

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