Planning overpayments into your mortgage can be a strategic way to save on interest costs and pay off your mortgage faster. Here's a step-by-step guide on how to do it: 1. **Understand Your Mortgage Terms:** - Before you start making overpayments, review your mortgage agreement. 2. **Calculate How Much You Can Overpay:** - Determine how much you can comfortably afford to overpay each month or year. 3. **Choose a Strategy:** - There are two common strategies for making overpayments: - **Regular O

How to Reduce Mortgage Payment (UPDATED 2025)