Summary This article explains how mortgage overpayments work during fixed-rate periods in the UK, including early repayment charges, lender rules, and common limitations. It is for general information only. If you’re on a fixed rate mortgage, you may be wondering whether you’re allowed to overpay — and if doing so could trigger early repayment charges. The good news is that most UK lenders do allow overpayments during a fixed rate period, but there are rules and limits you ne