Overpaying mortgage charges

Eating_Daisies

I think you will need to call your mortgage provider & ask them as your questions are quite specific. Perhaps the £20 fee was because you were in the fixed rate period? It's worth digging out all the paperwork and call them with a list of your questions.

As for paying it off now or later the general consensus seems to be as long as you have a bit of savings for "just in case" you should overpay whatever extra you have unless you can find a savings account with better interest. The other thing to bear in mind is if you overpay your monthly payment should decrease further enabling more overpayment.

Well done for what you've already achieved & good luck with the rest of it

Daisy