This works well .https://www.moneysavingexpert.com/mortgages/mortgage-overpayment-calculator#results
Yes, I saw that, but she didn't quite grasp it.
Do my workings make sense?
Your thinkings make sense but use your own circumstances to decide. If you can afford to overpay (usually 10% of original mortgage each year) then do it because there is not a lot to be gained in savings interest v mortgage interest.
yes exponential win.
@stevo_com started
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This works well .https://www.moneysavingexpert.com/mortgages/mortgage-overpayment-calculator#results