How Much Can You Overpay on Your Barclays Mortgage?
This guide is for general information only and does not provide financial advice. Check your lender’s terms before overpaying, as early repayment charges may apply. Your home may be repossessed if you do not keep up repayments on your mortgage.
Barclays says that a single additional payment of less than three times your last regular monthly payment is called an overpayment. It says you can see how much you can overpay without an early repayment charge in the ‘Flexible features’ section of your mortgage offer. See Barclays’ page and your own mortgage offer for any percentage.
Lender terms change, and your own mortgage offer is what applies to you. This page was checked on 30 September 2026 against Barclays’s own page, linked below.
This page reports what Barclays publishes on its own site. It is general information, not advice and not a statement of your own mortgage terms. See our editorial policy for how we source and re-check lender facts.
What Barclays says about the yearly allowance
Barclays says that a single additional payment of less than three times your last regular monthly payment is called an overpayment. It says you can see how much you can overpay without an early repayment charge in the ‘Flexible features’ section of your mortgage offer. See Barclays’ page and your own mortgage offer for any percentage.
When you make a single additional payment that's less than three times your last regular monthly payment, we call it an overpayment.
You can see how much you can overpay without having to pay an ERC in the 'Flexible features' section of your mortgage offer.
What Barclays says about early repayment charges
Barclays says that, unless your mortgage offer states otherwise, its early repayment charge is a fixed percentage amount, and that your mortgage offer will tell you the percentage.
Unless your mortgage offer states otherwise, your ERC is a fixed percentage amount. Your mortgage offer will tell you what percentage your ERC is.
Source: Barclays: Mortgage overpayments and underpayments. Checked on 30 September 2026.
Working out a charge
If you are thinking about overpaying more than an allowance, use our early repayment charge calculator with the figures from your own mortgage offer. Our guides explain what an early repayment charge is, when an allowance resets and how the yearly limit works. If you are unsure, consider speaking to a regulated mortgage adviser.
Questions people ask
How much can I overpay on a Barclays mortgage?
Barclays says that a single additional payment of less than three times your last regular monthly payment is called an overpayment. It says you can see how much you can overpay without an early repayment charge in the ‘Flexible features’ section of your mortgage offer. See Barclays’ page and your own mortgage offer for any percentage. Check your own mortgage offer, because the terms that apply to you are in it.
Is this the same as my own mortgage terms?
Not necessarily. This page reports what Barclays publishes on its own site, as checked on 30 September 2026. Your mortgage offer sets the terms that apply to you, and they can differ by product and by the date you took the mortgage.
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