Advice on what to say to mortgage co?

Just tell them you want to continue paying the same monthly amount so that the term of your mortgage reduces. I make higher payments on my Halifax mortgage and, in the past, when they have reduced the monthly amount (if interest rates have gone down) I have just telephoned and said I want to continue paying same amount each month.

I make regular overpayments - with the Halifax, instead of paying the mortgage by direct debit, they set it up so that I pay by standing order. I think with direct debit it allows the mortgage company to change the amount of money they take from you, so if interest rates go up or go down they can just adjust the amount paid by direct debit accordingly. By setting up a standing order, I am in control of how much I pay each month. Our mortgage should be £457 each month, but we pay £500 a month, so I know that if interest rates should go up at all we are paying plenty over each month and would be covered by any increase (especially since we have been paying over for so long now). If you do your banking online, you can change the amount on the standing order yourself, so I am guessing this is a way that you could pay extra off your mortgage. With the Halifax I think they suggested that I could pay the mortgage by direct debit and also set up a standing order for additional payments, but obviously you would have to check with C & G if they accepted overpayments and, if so, if this is the way to do it.