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Mortgage question

HI
I have a question as per Martin newsletter email today re the above
I have the following

Mortgage balance outstanding 33K
Borrowed £54k
variable rate 3.64%
Remaining 16 years
It is a repayment and interest is charge yearly
I pay £311 a month

Can you advise I wanted to move to another provider what would the charges and would I able to make overpayments without any penalty to save money
This discussion has been closed.
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