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Interesting. thanks for this. My 10 year fix is with Nationwide so I'll look into this as I wasn't aware I could potentially effect my monthly payment by overpaying. I know I have the option of, if I overpay, to then use that to take a payment holiday if ever crisis hits (as you mentioned above).

Cheers mate. Yeah we did a 2 year fix when we moved in 5 years ago. I then switched to a 3 year fix when that expired.. After that I fixed for 10 with the rates so low. Also the property was worth more so my LTV was much better and lowered our repayments greatly. I am allowed to overpay but I...

Secondly I saw the Share Centre mentioned. If I'm happy to go for "higher risk" but have literally no knowledge of the markets/investments, is there the option to send a monthly payment into an account which is automatically invested on my behalf? I'm really coming across as a DULLARD here.

I'm a bit of a THICKO so apologies if my question is a stupid one but can you explain that to me? my rate is fixed for 10 years. No matter how much I overpay now, I won't see a monthly benefit unless I remortgage?