Would I then incur some sort of cost for clearing the mortgage before the 5 yr repair interval has elapsed? If I overpay the utmost quantity each year without incurring an ERC (and decide to keep month-to-month funds the same), I calculate that the mortgage shall be cleared after about 3.5 years. We see you’re using a default avatar. I don’t know whether the recommendation was to keep the time period and funds the identical or whether it was to choose to scale back the term when making overpayments with the Nationwide. We wish to pay the least interest we can on this mortgage over the time we have left with on the mortgage, so in the end paying the mortgage off within the quickest time attainable. My recollection great slots is that I had learn on this discussion board years in the past, some advice about what option to choose when making an overpayment however I cannot recall the advise.

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