Guidance - Some mortgages are more flexible to allow you to overpay but there is never any requirement to do this

GUIDANCE - At the end of your product period, when we look at further options, if affordability works, you can shave years off the mortgage term.

GUIDANCE - There are a variety of fixed and non-fixed rates in the market. An example of the benefit of some non-fixed rate products is they can be more flexible with larger overpayments