MORTGAGE Mortgage vs Investing Calculator
Should you overpay your mortgage or invest the extra in a stock market index?
Past performance doesn't guarantee future returns
Over 22 years
Investing could win
At 7% returns, investing beats overpaying by £123,077
Overpay
£49,946
Interest saved
6 years sooner
Mortgage-free faster
Invest
£173,023
Portfolio value
£93,823 growth
On £79,200 invested
Break-even return: 0%
You'd need investments to average 0% annually (after fees) to match overpaying your 5.5% mortgage.
Overpay vs Invest Over Time
Cumulative benefit of each strategy year by year
| Year | Interest Saved | Portfolio |
|---|---|---|
| Yr 1 | £92 | £3,708 |
| Yr 2 | £393 | £7,660 |
| Yr 3 | £913 | £11,873 |
Something to consider
Overpaying gives a guaranteed return equal to your mortgage rate (5.5%). Investing offers potentially higher returns but comes with market risk — your portfolio could fall in value. Many people choose to do both.
Your Monthly Numbers
Want to see the full mortgage breakdown?
Mortgage CalculatorReady to take the next step?
Based on your £275,000 property with a £55,000 deposit — connect with a professional who can help.
Explore More Tools
Mortgage Repayment
Monthly payments & schedules
Affordability
How much can you borrow?
Mortgage Overpayment
Save interest by overpaying
Remortgage Savings
Compare your current vs new deal
Mortgage Comparison
Compare deals side by side
Rental Yield
Investment property analysis
Buy-to-Let Tax
Section 24 tax impact calculator
Stamp Duty
SDLT, LBTT & LTT
Moving Costs
True cost of moving home
Rent vs Buy
Which is better for you?