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If a lump sum isn’t feasible, consider making monthly overpayments. By adding even £50 to your existing monthly payment, significant savings can accrue over time. In the example mentioned, an additional £50 monthly payment could lead to over £13,000 in interest savings and clear the mortgage approximately 2.5 years earlier. Increasing that overpayment to £100 could yield even greater savings and a reduced mortgage term by over 4.5 years.