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Also check any limits on overpayment, most mortgages tend to allow you to overpay 10% of the outstanding balance (not the initial principle) every year before there's any charge (and then it's typically 2%). This restriction usually expires when the fixed deal ends, which means you can negotiate a new fixed deal with them (or someone else) and pay off an unlimited chunk of money at this point too.
My latest 5 year fixed deal finishes next July, hopefully they'll contact me again 3 months early to offer me another deal at a lower rate (currently 2.89%).
Two options with the same mortgage (2 year fixed at 1.14%):
Select a term of 10 years, pay £1,200/month
Select a term of 20 years, pay £650/month and overpay up to the £1,200.
Why am I considering option 2? Because overpayments come off the capital, not a combination of interest and capital.
Would this make sense to do?