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Check the terms associated with overpaying - you may be able to underpay in future to undo the overpayments, although that might need prior approval which may not be guaranteed.
We're overpaying slightly which should get us to a 60% LTV by the time remortgaging becomes plausible. The early exit fees for our fix are so high that at the moment it wouldn't make sense.
rhowe
On that note, we're trying to decide whether to overpay our (fixed) mortgage payments or save/upgrade the home. We can afford to overpay quite a lot.
Just thinking ahead to eventual interest rate rises and remortgaging in 2yrs time...