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@andyfallsoff
@Dammit Does that make sense?
Any interest is just a function of the capital outstanding at any given time, at the mortgage rate. Any payment you make discharges first the interest since your last payment, then capital. If you choose a shorter term then the payment would just be calculated as whatever you need to pay off the interest + capital during that term; if you pick a longer term, it will just spread it out more but I can't see why it would be cheaper. Your payments would be calculated to assume more interest as the capital is outstanding longer but if you overpay that would be reduced?