Owning your own home

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?

Of course, it's like a bank loan that you're paying off. They won't just say "he's paid off two out of 35 years" and do the sums on that, they'll work out exactly what you've paid.