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    MSE overpayment calculator suggesting it is better to overpay a 3% mortgage than save interest at 4.5%

    @12345susie What is your current LTV? Many mortgages have a 10% overpayment allownace so if you can get into a better LTV band you may reduce your repayments. Also, some banks have different interest rates based on the amount borrowed - sometimes it's worth borrowing more and immediately...
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