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  • Good thinking sir . Duly noted. We are waiting for an offer to be accepted before contacting the broker my mate has recommended to asses options…

  • When we bought our place the term was 33 years and we'd always over payed but we've now got 2 in nursery fulltime so we stopped overpayments about 6 months ago. It was great to do something so easily.

    You never know what situation you'll find yourself in, whether it's kids, job change or just finding a better way to spend the cash so it's best to give yourself as much flexibility as possible.

  • I agree, it is a sound approach.

    We have been overpaying £300 per month but our 5yr fixed has ended and new payments are £300 more so we have just stopped the overpayments for a while.

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