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@rhowe
For the overpayments calculation, it's better to compare what you owe without overpaying with what you would owe if you overpaid and then clawed back the overpayments, i.e. the amount of interest you have avoided paying. For bonus points work out what you'd have earnt in savings interest in that time.
You then have a direct comparison showing how much interest you cam potentially simply avoid being charged by overpaying. That then compounds to the end of your mortgage, and also the chances are you wouldn't claw back the overpayments either (don't miss what you don't have in your bank account).
My view has been to take the longest mortgage you can and then figure out what the payments would be for the length of mortgage you want and pay that. If you have cash spare after doing that and saving what you can at a decent interest rate then by all means overpay a bit more