Owning your own home

I know I sound thick asking questions like that Mr. Sparkes but I'm completely new to all this. I like the idea that if we couldn't for whatever reason afford an overpayment one month it wouldn't mean us missing a mortgage payment if that makes sense?

It doesn't sound stupid at all mate, it's a bloody nightmare doing all the sums. Good point on the overpayment: you can think of your monthly bill as £X, but with a quarter of X being your voluntary overpayment, so you can scale it back as and when needed.