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Yes I understand some deal do allow over payments on a fixed term, but I've never found one that's right. I might give you a call when renewal time comes around.. In your humble, if you had another 'modest' amount.. for arguments sake lets say £25k, would you look into paying it off your...

Fair play. I wanted to go fixed too, but it was so much higher than variable it felt pointless. The rate would have to go up massively to make it worthwhile. Doing it for 10 years sounds like a very smart move though, I think everyone acknowledge that rates are only going up!

Fixed for 10 years?! I've never done it for longer than 2 but fair play! At the end of your fixed term you will need to get a new mortgage deal. If you don't, you'll be moved over to Standard Variable, which in my experience has always been ludicrously expensive. So you get a new deal, and you...