Should I reduce the term of my mortgage or the monthly payments? | Money | guardian.co.uk
Q I have a mortgage with 14 years left to run and have managed to make some early repayments. I was not clear (I think) with my lender and £4,000 was used to reduce the capital, which resulted in a reduction in the monthly payments, and £1,000 was used to reduce the time in which the mortgage would be repaid. This confused me as I just wanted to reduce the amount I owed and therefore pay less for the borrowing. .......
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