help explaining smaller overpayments on mortgage vs 10% overpayment

[colderandeatsmincepiesalot]

Please can someone help/explain!! We have a Barclays fixed rate (coming to an end oct 23) mortgage with 14 years left to pay and £116,000 outstanding. Rate 1.93%
We have just paid 10% off the capital amount today (in our allowance) so that will reduce our monthly repayment and the amount owed (now £116,000). I was told by the advisor that I can make smaller overpayments, UNLIMITED but each transaction should be no more than 3 times the monthly payment (so if we pay £800 a month - £2400). We have £80,000 in savings, which we were going to use to pay off most of the mortgage once the fixed rate ends (next oct).
Question: What is the benefit to paying it all now, albeit in little chunks, vs waiting until next Oct?
I was told it will shorten the term but won't change the capital amount?
But paying £80,000 next Oct will shorten the term surely?
Is it worthwhile to do?

Before you do anything I’d speak to a different advisor. If you’ve already paid the annual limit of 10% then you can’t do any more without incurring a fee whether small amounts or not. I used to have a Barclays mortgage and had quite a few questions about overpayments as you have the overall annual allowance but also a maximum monthly amount you can overpay. It’s quite punitive with Barclays compared to other lenders.

Sp for example if you had a £500k mortgage and monthly payments of £2k you could repay £50k in year 1 but not in one lump sum. You’d have to overpay by £6k each month. We had to drip feed in a small inheritance rather than just doing an overpayment.

If you are allowed to do that the benefit would be reduced interest probably. My mortgage isn't with barclays so might not be the same but my interest is calculated daily.