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overpay or one account

can anyone tell me if it is better to have a tracker mortgage and overpay or have a "one account." my current mortgage will be payed in 20 years but i have the ability to reduce this to 10 years by overpayment or changing to a one account. whats the best option? are there pitfalls of the one account? many thanks

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  • cloud_dog
    cloud_dog Posts: 6,184 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    You need to visit the thread at the top of this board - "Offset Moertgage - The Numbers" to work out if a current mortgage account will be beneficial or not.

    cloud_dog
    Personal Responsibility - Sad but True :D

    Sometimes.... I am like a dog with a bone
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