fastest way to pay the mortgage?

I have a deposit split: £ 90k £ 130k interest repayment My fixed mortgage rates have simply come to an end and rates are now back to a very good track contract costing £ 500 less per month – but I will continue to pay large sums to bring the mortgage. What would be cheaper in the long term – if it makes a difference at all: – a. Transfer £ 90k more than the mortgage is fully reimbursed only at (300 h) b. Let KR 90K as interest and financing a large part of the elements £ 500 pm for reimbursement. All payments must be a minimum of £ 200 per month, then option (a) would not be possible if interest rates rise. There are still 20 years left on the mortgage – What is my best option ????? PLEASE only answer if you know anything about mortgage!

The bank will require the payment of interest each month. You can not make a deposit to the most important in a given month up what you paid interest for that month. Overpaying the principal would be to shorten the duration of the loan and reduce your interest payments. This works whether interest rates are at a given time. The profits of most banks, if you make the minimum payment. Do not afraid to pay aggressively. Grandfather

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