Mortgage help?

My current mortgage fixed term ends soon so I will be looking for a new deal shortly. I’ve overpaid my 10% allowance this year and was looking to overpay some more (I understand there would be a charge if I do this) before I make this decision and get charged extra I wanted to ask if anyone could answer me ….. if we stay with the same lender when we are choosing a new product will we be able to make an overpayment at the time of the changeover without the penalties over and above the 10%.  Any advice would be much appreciated! 


  • savingholmessavingholmes Forumite
    23.5K Posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    If there's a gap between the deals or you ask for a lower amount on the remortgage you should be able to.
    Target 1) Prioritise health & social connection 2) Write regularly 45,509/70,000 words Book 2 and 10,787/70,000 Priestess book, 30,000/95000 Memoir Prep 3a) Get to £10K EF/Savings Now £5,641 3b) £1.6K Savings for DD Car (Achieved) 4) MFW starting at £201,999 Nov 21 with 264 248 payments to go. Now £191,648) Mortgage neutral progress via pension £2,787 invested since Nov 21 6) Declutter 7) Invest in fun and frolics - and not just future self! 8) CC Debt free April 22 (now stay that way!!)
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