Which should I Overpay

postieeeeeee

I have a 3 sub account mortgage 
1. £23700 @ 5.20%
2  £51000 @ 3.94%
3 £18800  @ 4.08%

Which should I Overpay on £280 per month ? 
Many thanks 

RobM99

Highest interest rate, I'd suggest.

la531983

Unless this is a trick question, and in the absence of any other information, obviously the one with the highest interest rate.

Having said that

a) paying over £2370 a year on that one may attract ERCs, speak to your provider
b) As you have multiple interest rates they may apply overpayments in a certain order, again speak to your provider.

postieeeeeee

Im currently paying on the highest interest rate 1, upto allowed amount. But my query comes as that is only on 23k whereas there's a lower rate on the 51k amount, but as its a higher amount I'm paying more interest in that 1

la531983

postieeeeeee said:

Im currently paying on the highest interest rate 1, upto allowed amount. But my query comes as that is only on 23k whereas there's a lower rate on the 51k amount, but as its a higher amount I'm paying more interest in that 1

Its the percentage that is the important thing, not the amounts involved.