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eskay
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.