Moegage payment options

[Oxo01]

Hi
just re-morgaged for 29 months small amont owed now at a lower rate .
It starts 1 April with same provider.
If we just pay normal payments over the term we would prob owe approx £6000 and would not want to get a loan etc then.

We have options to pay 10% tomorrow prior to new deal kicking in on 1st April.
Then from new deal on 1st April to 14th as special customer deal we can over pay any amount (as long as not all is paid off) without penalty .
Then from 15 April to Dec 31st can make 10% overpayment .

We have some cash in savings account if we made these payments which would be for example £3700 x 3 payments , we would not have to worry about any odd money owing and the morgage would end earlier which is ideal

Just not sure if this is best or to just make odd over payments over next 2 years and keep money in bank to pay off any odd amount then ?

We both still work on decent wages but have and still are having work completed in the home which we have been paying from wages and some savings.
Hope all this makes sence
Any ideas what best please

Personally, I'd be paying off what I could if I had money I didn't need to use at the moment.
However good a deal you have on your mortgage, you will still be paying more in interest than you would be earning by keeping savings in the bank.
Money in a bank account is shrinking each year, as inflation is far higher than the pitiful interest you can earn.
I would make sure I had an emergency fund and overpay what I could without penalty.

17Kite22
Thanks your right about rubbish interest. Think we will at least make the payment tomorrow to end thisvyear allowance on old deal. and then have till 14th to decide how much we want to pay as 2nd payment and go from there on new deal.