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@henry.ideas: One mistake you can make is aggressively overpaying your mortgage when you already know you're planning to refinance and take that money back out. Imagine you have £30,000. You put it into your mortgage. A year later you need £30,000 for a business or another property. Now you're going back to a lender to release equity and potentially paying interest and fees to access capital again. I'm not saying don't overpay your mortgage. I'm saying understand your future liquidity needs before you overpay. #MortgageUK #MortgageOverpayment #Remortgage #Refinancing #PropertyFinance

Henry ideas 💡
Henry ideas 💡
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Region: GB
Tuesday 08 September 2026 14:06:10 GMT
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Comments

temmy07770
Tems :
Am only making overpayment now because I am working towards achieving 60% LTV at the end of my fixed rate for remortgaging
2026-09-09 11:35:24
0
tmfwinsome
TMF WINSOME :
The major reason for overpayment is to reduce bank interest. Whether you pay overpayment or not you will still pay interest. Choose the lesser devil which is to do overpayment 😎
2026-09-09 22:10:58
1
efuanaomi5
Naomi :
Not all your words are correct.. people do your findings don’t let online people like this deceive you
2026-09-08 17:46:52
3
sonkcor
Brain700 :
misleading people
2026-09-08 22:41:57
0
soulmate.tv
www.bollymoon.com :
Do you mean that overpayment is not necessary and is not advisable?
2026-09-08 16:06:55
1
hammed1719
HM :
Great content. Thanks for sharing
2026-09-08 15:28:10
1
lady.p0636
Lady P :
My brother, over payment and completing payment can give me freedom as long as I am alive and healthy. It is only my life time that matters. Of course one should know equity borrowed will still be paid back. Many still don't have an idea of a business to do with the money sef. you can take equity if u have a business that can bring more than the interest being paid.
2026-09-08 17:30:05
5
uniquelucy6
uniquelucy :
What if l make outright payment?
2026-09-08 17:06:46
0
qiqaqiqile
qiqaqiqile :
Why I’m I seeing this after trying to make over payments towards my mortgage 🤭
2026-09-09 05:32:52
0
crowneext
CROWNEXT :
Dem no Dey own am .., very deep
2026-09-08 16:59:08
2
ekowaj
EkowAJ :
Absolutely 💯
2026-09-08 15:20:15
1
godstrengthens
GodStrengthens :
Wow....this is an eye opener
2026-09-08 16:33:38
0
valo6890
Valentino... :
Thanks Henry
2026-09-08 17:23:19
1
queen.esther600
queen.esther600 :
It is adding up now,
2026-09-08 16:23:43
0
senuche2
Uches page :
Bro i am happy that you are coming back to reality.This was exactly what I told my friend last time, dem no Dey own am. U pay it for the rest of your miserable existence in the mortgage industry. I will laugh last anyways. What is equity in plain language, it means "Equity in a mortgage is the portion of your home’s value that you actually own outright, calculated by taking your home's current market value and subtracting the remaining balance of your mortgage."
2026-09-09 07:43:59
0
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