{"id":30442,"date":"2023-10-13T10:27:32","date_gmt":"2023-10-13T10:27:32","guid":{"rendered":"https:\/\/swoopfunding.com\/ie\/?page_id=30442"},"modified":"2026-03-09T12:06:07","modified_gmt":"2026-03-09T12:06:07","slug":"mortgage-overpayment-calculator","status":"publish","type":"page","link":"https:\/\/swoopfunding.com\/ie\/business-loan-calculator\/mortgage-overpayment-calculator\/","title":{"rendered":"Mortgage overpayment calculator"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"30442\" class=\"elementor elementor-30442\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1f9da2f e-flex e-con-boxed e-con e-parent\" data-id=\"1f9da2f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5e6b903 elementor-widget elementor-widget-template\" data-id=\"5e6b903\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"37022\" class=\"elementor elementor-37022\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6a1e6f2 e-flex e-con-boxed e-con e-parent\" data-id=\"6a1e6f2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-581181d0 e-con-full e-flex e-con e-child\" data-id=\"581181d0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5d6e26ea elementor-widget elementor-widget-heading\" data-id=\"5d6e26ea\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Mortgage overpayment calculator<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1483aac2 elementor-widget elementor-widget-text-editor\" data-id=\"1483aac2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tOverpaying on either a residential or <a href=\"https:\/\/swoopfunding.com\/ie\/commercial-mortgages\/\">commercial mortgage<\/a> offers significant benefits. It reduces total interest costs and shortens the repayment period. This leads to accelerated equity buildup and increased financial flexibility. Even modest, regular overpayments can yield substantial interest savings over time.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-57496c56 elementor-widget__width-inherit elementor-hidden-mobile elementor-widget elementor-widget-html\" data-id=\"57496c56\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n<script type=\"text\/javascript\" src=\"\/\/widget.trustpilot.com\/bootstrap\/v5\/tp.widget.bootstrap.min.js\" async><\/script>\n\n\n\n\n<div class=\"trustpilot-widget\" data-locale=\"en-US\" data-template-id=\"53aa8807dec7e10d38f59f32\" data-businessunit-id=\"5b437d760db9da00019935a0\" data-style-height=\"95px\" data-style-width=\"160px\" data-theme=\"light\" data-token=\"75678bf0-071e-4356-8a6b-93beb5a68f32\">\n <a href=\"https:\/\/www.trustpilot.com\/review\/swoopfunding.com\" target=\"_blank\" rel=\"noopener\">Trustpilot<\/a>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-30699ec1 elementor-widget elementor-widget-ucaddon_last_updated\" data-id=\"30699ec1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ucaddon_last_updated.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n\t\t\t\n<div id=\"last-updated-container\" class=\"\">\n\n \n <div class=\"last-updated view-user\" style=\"justify-content: left;\">\n <\/div>\n<\/div>\n\n\n\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3c6a9410 elementor-widget elementor-widget-ucaddon_breadcrumbs\" data-id=\"3c6a9410\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ucaddon_breadcrumbs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n\t\t\t <div id=\"breadcrumbs-container\" class=\"left\">\n <nav aria-label=\"breadcrumbs\" class=\"rank-math-breadcrumb\"><p><\/p><\/nav> <\/div>\n\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-198681d9 e-con-full elementor-hidden-mobile e-flex e-con e-child\" data-id=\"198681d9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7a432378 elementor-widget elementor-widget-image\" data-id=\"7a432378\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" width=\"1024\" height=\"682\" src=\"https:\/\/swoopfunding.com\/ie\/wp-content\/uploads\/sites\/6\/2026\/03\/image-calculator-1024x682.jpg\" class=\"attachment-large size-large wp-image-37021\" alt=\"\" srcset=\"https:\/\/swoopfunding.com\/ie\/wp-content\/uploads\/sites\/6\/2026\/03\/image-calculator-1024x682.jpg 1024w, https:\/\/swoopfunding.com\/ie\/wp-content\/uploads\/sites\/6\/2026\/03\/image-calculator-300x200.jpg 300w, https:\/\/swoopfunding.com\/ie\/wp-content\/uploads\/sites\/6\/2026\/03\/image-calculator-768x512.jpg 768w, https:\/\/swoopfunding.com\/ie\/wp-content\/uploads\/sites\/6\/2026\/03\/image-calculator-30x20.jpg 30w, https:\/\/swoopfunding.com\/ie\/wp-content\/uploads\/sites\/6\/2026\/03\/image-calculator-80x53.jpg 80w, https:\/\/swoopfunding.com\/ie\/wp-content\/uploads\/sites\/6\/2026\/03\/image-calculator.jpg 1280w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a2df328 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a2df328\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0de743c\" data-id=\"0de743c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-7f89b0d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7f89b0d\" data-element_type=\"section\" data-e-type=\"section\" id=\"calculator\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-63e224a\" data-id=\"63e224a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b6684b0 elementor-widget elementor-widget-ucaddon_mortgage_overpayment_calculator\" data-id=\"b6684b0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ucaddon_mortgage_overpayment_calculator.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n\t\t\t\n\n<div class=\"form-calculator\" >\n <div class=\"left_column\">\n\n <form id=\"mortgage-overpayment-calculator\" method=\"post\">\n\n <div class=\"form-group\">\n <label for=\"mortgageBalance\">Mortgage balance<\/label>\n <div class=\"input-group mb-3\">\n <div class=\"input-group-prepend\">\n <span class=\"input-group-text\">\u20ac<\/span>\n <\/div>\n <input type=\"text\" id=\"mortgageBalance\" name=\"mortgageBalance\" class=\"form-control mask-money\" value=\"250000\" aria-label=\"Mortgage balance\" inputmode=\"numeric\" required>\n <div class=\"input-group-append\">\n <span class=\"input-group-text\">.00<\/span>\n <\/div>\n <\/div>\n <\/div>\n \n <div class=\"form-group\">\n <div class=\"label_and_numbers\">\n <label for=\"timeRemaining\">Time remaining<\/label>\n <div class=\"tag-number\">\n <span id=\"timeRemainingValue\" class=\"value-tag\">25<\/span> years <\/div>\n <\/div>\n <div class=\"input-group mb-3\">\n <input type=\"range\" class=\"slider\" id=\"timeRemaining\" name=\"timeRemaining\" value=\"25\" min=\"10\" max=\"30\" step=\"1\" aria-label=\"Time remaining\">\n <\/div>\n <\/div>\n \n <div class=\"form-group\">\n <div class=\"label_and_numbers\">\n <label for=\"interestRate\">Current interest rate<\/label>\n <div class=\"tag-number\">\n <span id=\"interestRateValue\" class=\"value-tag\">4<\/span>%\n <\/div>\n <\/div>\n <div class=\"input-group mb-3\">\n <input type=\"range\" class=\"slider\" id=\"interestRate\" name=\"interestRate\" value=\"4\" min=\"0\" max=\"10\" step=\"0.1\" aria-label=\"Current interest rate\">\n <\/div>\n <\/div>\n\n <div class=\"form-group\">\n <label for=\"extraPayment\">Extra monthly payment<\/label>\n <div class=\"input-group mb-3\">\n <div class=\"input-group-prepend\">\n <span class=\"input-group-text\">\u20ac<\/span>\n <\/div>\n <input type=\"text\" id=\"extraPayment\" name=\"extraPayment\" class=\"form-control mask-money\" value=\"100\" aria-label=\"Extra monthly payment\" inputmode=\"numeric\" required>\n <div class=\"input-group-append\">\n <span class=\"input-group-text\">.00<\/span>\n <\/div>\n <\/div>\n <\/div>\n\n <\/form>\n\n <p class=\"note-calculator\">This calculator is intended for illustration purposes only and exact payment terms should be agreed with a lender before taking out a loan.<\/p>\n\n <\/div>\n <div class=\"right_column\">\n <p class=\"title\">Your results<\/p>\n \n <p class=\"title-result\">Current monthly repayment<\/p>\n <p class=\"number-result\">\u20ac<span id=\"currentMonthlyPayment\">0<\/span><\/p>\n\n <p class=\"title-result\">New monthly repayment<\/p>\n <p class=\"number-result\">\u20ac<span id=\"newMonthlyPayment\">0<\/span><\/p>\n\n <p class=\"title-result\">Potential mortgage reduction<\/p>\n <p class=\"number-result\"><span id=\"mortgageReduction\">0 years 0 months<\/span><\/p>\n\n <p class=\"title-result\">Amount of interest saved<\/p>\n <p class=\"number-result\">\u20ac<span id=\"interestSaved\">0<\/span><\/p>\n\n <a href=\"https:\/\/ireland.swoopfunding.com\/get-started\/\" class=\"btn btn-lg btn-dark btn-block\" target=\"_blank\">Get a quote<\/a>\n\n <\/div>\n<\/div>\n\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"elementor-element elementor-element-22fe13b e-flex e-con-boxed e-con e-parent\" data-id=\"22fe13b\" data-element_type=\"container\" 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margin-top:12px;\n}\n\n<\/style>\n\n\t\t\t\n<div class=\"container-floating-cta\">\n <a href=\"#calculator\" class=\"btn-floating-cta\">Calculate now<\/a>\n<\/div>\n\n<div class=\"trustpilot-widget-floating-cta\">\n \n <script type=\"text\/javascript\" src=\"\/\/widget.trustpilot.com\/bootstrap\/v5\/tp.widget.bootstrap.min.js\" async><\/script>\n \n\n \n <div class=\"trustpilot-widget\" data-locale=\"en-US\" data-template-id=\"5419b732fbfb950b10de65e5\" data-businessunit-id=\"5b437d760db9da00019935a0\" data-style-height=\"24px\" data-style-width=\"100%\" data-theme=\"dark\" data-token=\"6307e816-53aa-4589-828c-b174e8417264\">\n <a href=\"https:\/\/www.trustpilot.com\/review\/swoopfunding.com\" target=\"_blank\" rel=\"noopener\">Trustpilot<\/a>\n <\/div>\n \n<\/div>\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Overpaying on either a residential or <a href=\"https:\/\/swoopfunding.com\/ie\/commercial-mortgages\/\">commercial mortgage<\/a> offers significant benefits. It reduces total interest costs and shortens the repayment period. This leads to accelerated equity buildup and increased financial flexibility. Even modest, regular overpayments can yield substantial interest savings over time.<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":28656,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-30442","page","type-page","status-publish","hentry"],"acf":[],"featured_image_urls_v2":{"full":"","thumbnail":"","medium":"","medium_large":"","large":"","1536x1536":"","2048x2048":"","image_blog":"","image_blog_full":"","image_podcast":"","image_banking":"","image_blog_internal":"","image_blog_medium":"","image_single_banking":""},"post_excerpt_stackable_v2":"<p>Overpaying on either a residential or <a href=\"https:\/\/swoopfunding.com\/ie\/commercial-mortgages\/\">commercial mortgage<\/a> offers significant benefits. It reduces total interest costs and shortens the repayment period. This leads to accelerated equity buildup and increased financial flexibility. Even modest, regular overpayments can yield substantial interest savings over time.<\/p>\n","category_list_v2":"","author_info_v2":{"name":"root","url":"https:\/\/swoopfunding.com\/ie\/author\/root\/"},"comments_num_v2":"0 comments","_links":{"self":[{"href":"https:\/\/swoopfunding.com\/ie\/wp-json\/wp\/v2\/pages\/30442","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/swoopfunding.com\/ie\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/swoopfunding.com\/ie\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/swoopfunding.com\/ie\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/swoopfunding.com\/ie\/wp-json\/wp\/v2\/comments?post=30442"}],"version-history":[{"count":15,"href":"https:\/\/swoopfunding.com\/ie\/wp-json\/wp\/v2\/pages\/30442\/revisions"}],"predecessor-version":[{"id":37157,"href":"https:\/\/swoopfunding.com\/ie\/wp-json\/wp\/v2\/pages\/30442\/revisions\/37157"}],"up":[{"embeddable":true,"href":"https:\/\/swoopfunding.com\/ie\/wp-json\/wp\/v2\/pages\/28656"}],"wp:attachment":[{"href":"https:\/\/swoopfunding.com\/ie\/wp-json\/wp\/v2\/media?parent=30442"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}