What's the best method to overpay?

MissTigger

I'm 7 months into a 25 year mortgage. £71800 left to pay, currently 7 months into my 2 year fix rate at 2.34%.
I've been overpaying £50 a month making my payments approx £370 a month. I can probably afford more than this but just been wanting a nice chilled out life at the moment with my 1 year old. I'm now changing my mind and I'm now thinking I want to own the house asap to speed up my plans of progressing to buying more homes in future. (Potentially, I am probably a bit ambitious). I could probably afford another 200-300 overpayment if I budget and buy cheap food etc. (It's my own mortgage and I get about £1.5k-1.8k a month)
Does it matter if I overpay in my two year fixed period or after and what's the best route to go down, one off payments or monthly?

Thanks guys

getmore4less

If daily interest make the payment as soon as you are happy the cash is spare.

neverbrokensarah

A fixed rate will have a repayment penalty but usually you are able to overpay an amount either set per month or % of original mortgage amount annually. Find out what these allowances are for you and work with them so only overpay what you can without a fee and anything else you'd have wanted to overpay save in an account with more interest than your mortgage.