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 planning to remortgage, you may be wondering whether overpaying your mortgage now will help you secure a better interest rate later. The short answer is yes — mortgage overpayments can significantly affect your next remortgage rate, but not in the way many people

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’ve been overpaying your mortgage, you may be wondering what happens to those overpayments when you remortgage. Do they disappear? Do they reduce your new loan? And can overpaying before remortgaging actually put you in a better position? In this guide, we explain ex