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NickCJ
hippy
Apparently I can pay more than I thought per year as overpayments - I'm not actually limited to £500/month.
I have ~24k remaining to pay and my mortgage ends Feb next year. I've been slack overpaying so I still have ~11k I could jam down their throats before Feb 2018.
Should I just dump the 11k into the mortgage? That would mean if I move to SVR in Feb I'd be paying 4% or whatever on 13k rather than 24k and allow me freedom to get/not get another mortgage and stay on SVR or dump the remainder to be mortgage free in 2018.