To make a payment via internet or telephone banking please use the following account details: Sort Code: 09-00-92 Account No: 90004049. Rest easier with an interest rate cap that limits the amount by which your monthly payment can increase, at each ARM rate adjustment and over the life of the loan. If so, it sounds like they have taken your overpayment into account, but kept the mortgage term the same, so reduced the monthly payments. To ensure your payment gets allocated to the correct agreement please put your agreement number as the reference number when making any on-line payments. If you have one of these, there's no problem putting all spare cash in the mortgage. And if so you need to ask them to reduce the term as a result of the overpayment rather than reduce the monthly payment. Alternatively, set up your mortgage account as a payee on your online banking and then make regular or ad-hoc payments. To ensure your payment gets allocated to the correct agreement please put your agreement number as the reference number when making any on-line payments. ... Santander - overpayment query. Welcome to Santander. We’ll provide you with written confirmation within 8 days from the date we receive your funds. Save money on interest payments if you plan to move or refinance within a few years. Enjoy an affordable monthly payment, lower than a fixed-rate mortgage. Another option is to set up a separate standing order to your mortgage account to make the overpayment. Here to help you prosper To make a payment via internet or telephone banking please use the following account details: Sort Code: 09-00-92 Account No: 90004049. Payment by Chaps. Payment by Chaps. Ensure that any overpayment you make goes to reduce the debt ( shortening! ... interest is calculated annually then best to pay just before the anniversary and put the money into an interest bearing account until that time. Depending on your mortgage, you may be liable to pay an Early Repayment Charge (ERC) if you make an overpayment. So I'll take a guess that you are wanting to make a lump sum overpayment? Mortgages with flexible features (including offset, current account mortgages or those with a 'borrow-back' facility) allow you to overpay and borrow the money back. With our flexible mortgages, you can make unlimited, penalty-free overpayments in the form of a lump sum or a regular monthly overpayment, provided that the mortgage is not redeemed in full. 0. My fixed term mortgage with Santander allow the standard 10% per year overpayment. Your agreed mortgage monthly payment not including any overpayments is 527? If so, then best advice is to phone Santander tomorrow with your mortgage account number and ask them how to … So you can overpay the mortgage, then withdraw cash without penalty if you need it again. How to calculate a mortgage overpayment. 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