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Howard
Okay so this may be a dumb question but bear with me.
We're looking to move and have the option to port our mortgage (it's not something I've done before)
The mortgage we currently overpay on each month and it's at a very low -pre COVID interest rate.
The house we're looking to buy will mean we'll be borrowing more but can take the existing mortgage at the low rate + extra at 5.2ish
Am I best to stop overpaying for now to keep the low rate part of the mortgage as high as possible and then use what I would have paid to lower the higher interest total amount when it comes to move time?