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Yeah like I said on the previous page it's difficult to 'lose' making overpayments unless there was an obvious and risk free way of making more money dangling in front of you.
Like Bitcoin, obvs.
If you are on 3.4% it might be worth paying ERCs to remortgage.
Howard
I'm on 3.4%. Plus there are human factors to consider: I don't like debt, even mortgage debt, so always feel good about making an overpayment.