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Would I then incur some kind of cost for clearing the mortgage before the 5 yr fix period has elapsed? If I overpay the maximum quantity each year without incurring an ERC (and choose to maintain monthly payments the same), I calculate that the mortgage will be cleared after about three.5 years. We see you are using a default avatar. I don’t know whether or not the advice was to maintain the term and payments the same or whether it was to opt to reduce the term when making overpayments with the Nationwide. We need to pay the least interest we can on this mortgage over the time we’ve left with on the mortgage, so in the end paying the mortgage off in the quickest time potential. My recollection is that I had read on this discussion board years in the past, some recommendation about what choice to choose when making an overpayment but I cannot recall the advise.
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