Your mortgage is a £132,200 problem waiting to be solved.
See exactly how payment timing and strategy can save you tens of thousands.
Monthly Only
£345,000
Bi-weekly + £50
£289,800
You Save
£55,200
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%
years
£
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Complete Side-by-Side Comparison
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£55,200
Maximum potential savings
£2,208
/year
•
£184
/month
Key Insight
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The Truth
What Nobody Tells You
01
Total Paid Is All That Matters
Interest is abstract. Cash out of your life isn't. Focus on the total number leaving your account.
02
Split Payments Are Marketing
That "£450 saving over 25 years" is £1.50/month. Financial noise. Don't fall for it.
03
Bi-Weekly Is Secretly Brilliant
26 payments/year = 13 months paid. Same lifestyle feel, massive compounding advantage early.
04
Rate Rises Attack Brutally
At 6%, you hand the bank £40k+ extra. Bi-weekly + overpayment is your rate-risk hedge.
Optimal Strategy
The Move
✓
Switch to true bi-weekly payments
✓
Add £50–£100 per payment
✓
Review at each remortgage
Cashflow
Sane
Risk
Controlled
Total Paid
Minimised