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NatWest Mortgage 10% Overpayments

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Does anyone know if the 10% is calculated at the anniversary of the mortgage or is it based on the previous years balance?

If it is the former, and you had £66k left to pay, you could presumably pay £3300 in one month and £3300 in another and not breach the 10% limit?
4.29kWp Solar system, 45/55 South/West split in cloudy rainy Cumbria. 

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