can you pay more than 10% over on a mortgage/

[hifi]

we have just come to the end of a fixed term mortgage. If we switch to another we will only be able to pay off 10% extra per year.
if we stay on the standard variable should we be able to pay more off?
i cant bear the phone queing system at the mo that why im asking on here.

If your fixed term has ended then there should be no limits on how much you can overpay.

thanks, will gather strenth sometime to phone them.

i cant see why not but i would check your agreement with them. sorry, that hold music does my nut as well

Different providers have different rules and some even have different rules for different products. You need to contact them to clarify.

If you go to a good mortgage broker you can ask them to find you a fixed rate that allows overpayments or a variable or whatever best suits your needs. It is worth getting someone to do some legwork for you as there are loads of options out there!

Yes. We overpay by around 30%.

we have had someone look at fixed rate with overpayments but the interest rates and arrangement fees are prohibative.