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Depends on the terms regarding overpayment on whatever mortgage product you've ended up with IMO.
In my case it made sense to "overpay" a 30 year term rather than take a shorter mortgage but some lenders have very different boundaries on how much you can overpay.
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You can often change the term for a nominal fee. Think mine costs about £80
So could go ahead then change it in a few months if it was the case
dwl
duncs
@Dooks-Fatberg
Mortgage offer arrived yesterday after 7 weeks of delay. It's for 30 years instead of the 25 we requested. do we suck it up (maybe save the difference?) for the 3 years fixed rate period then re-mortgage? Or do we make them get it right and risk more delays? We're trying to exchange next week and contracts were posted yesterday... I reckon just live with it.