@ournewallhome: My first mortgage was £400 a month. Then it dropped to £200, then rose to £700. When we bought the home we hope to stay in, it became £1,250 a month. That was a jump, but the number that really got me was the projected total: around £513,000 to repay over 28 years on the £248,000 we borrowed. I wanted to start making mortgage overpayments, but I didn’t have hundreds of pounds spare every month. So I started smaller. I use Sprive when shopping at places I was already going to buy from, then put the rewards towards our mortgage. Sometimes it’s just a few pounds, but I’m not having to find extra money in our monthly budget. Sprive currently projects that I could save around £14,000 in interest and pay our mortgage off roughly two years earlier if I keep going at this rate. It’s an estimate, but it’s made those small payments feel worthwhile. If you’re a UK homeowner wondering how to start overpaying your mortgage, my Sprive referral code is APRIL 🏡 What’s the monthly mortgage payment jump that made you go “hang on a minute”? 😅 Ad/affiliate: I may earn commission if you sign up using my code. Savings and payoff dates are projections. #homeowners #firsttimebuyers #personalfinancetips #homeownertips #savingstips

April | Home & Lifestyle | UGC

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Tuesday 29 September 2026 06:53:39 GMT