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  • LTV keeps reducing anyway because London ..

    What about this tho?

    If the value increases say 10% at minimum every 2 years and I keep remortgaging every 2 years ..

    Owning the house 100% .. what does that exactly achieve? Frees up funds for next house? That I already have because I havent overpaid ..

    I am genuinely seeking an answer for 'always overpay' rule.

  • I don't think it is an "always overpay" rule. It's an "overpay if it makes sense once you've done the sums rule".

    I overpay all savings once they hit a certain point because I save more than I get in interest.

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