Owning your own home

Yeah the mortgage length made no difference to my rates so it made sense to go with the longer to make repayments less, knowing I was going to shorten it overpaying. I can see a lot of people wanting to use the extra cash 'now' though rather than using it to save big dollar over time.

OK so I take the 35 year and over pay. Say at least £150 a month.

When my fixed term then comes to an end will my overpayments and my mortgage payments be taken in to account they'll say I've cleared 20k off the property capital and allow me to remortgage on that? Which I could then in turn lower down to 15-20 years?