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  • Cheers. I'm not really smart enough to do stocks and shares and all that lark.

    Just did that calculation thing, looks like 10k overpayment a year would shave near 2 years off and save 12k in interest.

    Sounds like a no brainer. I did some rough calculations and I could get things paid off in 15 years if I got a mortgage with new terms but it requires lots of paper work and annoyingly even though I am earning 3x what I was when I took my initial mortgage out the fact I am my own ltd makes things a bit harder I think...

    I need to do some thinking.

  • I'm a ltd company director, it should make no odds, assuming you're not hiding a load of income somehow. I got my mortgage when I wasn't even a permanent resident. I do have 7th level jedi mind control though.

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