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Make extra mortgage payments

Pay a lump-sum or increase your regular repayments.

Overpayments could save you money overall

An overpayment is when you pay more than your standard monthly mortgage payment. If you have the funds to spare, paying more than you need to now can have some longer term advantages... 

  • Pay off your mortgage earlier
  • Reduce the amount of interest payable

Types of overpayment

There are 2 ways you can make additional payments:

  1. Regular payments – overpaying by the same amount each month on an ongoing basis.
  2. Lump sum – a one-off payment into your mortgage account. 

Overpayments will be applied to your mortgage account the same day they’re made. These are permanent transactions that can’t be refunded.

The amount you can overpay will depend on your mortgage.

How to make an overpayment


Use online banking to transfer a lump sum to your mortgage account.

If your current or savings account isn't with HSBC, please contact your bank to arrange the payment.

Call us

To get advice or to set up a regular overpayment, book an appointment with one of our mortgage specialists.

From Channel Islands and Isle of Man, call:

03456 00 61 61

Lines are open 07:00 to 21:00 every day.

Frequently asked questions

You might be interested in

Our mortgage calculators can help you estimate your monthly payments and see how much you could borrow.
We have a range of mortgages for Jersey, Guernsey and Isle of Man customers.
Find out more about the Bank of England base rate and how it could affect your mortgage rate.
Find out about the types of mortgages available in your region.

Additional information

Think carefully before securing other debts against your property.

Your property may be repossessed if you do not keep up repayments on your mortgage.

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