@nwpropertymum: I wish I knew this sooner… Because most people think a 30-year mortgage is fixed. It’s not. Small, consistent overpayments can make a huge difference over time - without needing to drastically change your lifestyle. Even £50–£100 a month could save you thousands in interest and years off your term. It’s one of the simplest ways to take more control over your finances when buying a home. If you want to start doing this in a way that feels easy and realistic…the @spriveapp allows you to earn cashback on shopping you’re doing already and this goes towards your mortgage. It’s free to use and I use it to buy groceries, presents and even clothing. Basically anything I was already going to buy… All the little amounts really add up and I’m already on track to save £2,000 off my mortgage and pay it off 7 months earlier. Follow the link on my profile to get started with Sprive and use code LISA5 to get and extra £5 towards your mortgage. 🫶🏻 Not financial advice. Ad:affiliate