Martin Lewis and his Money Saving team have released a handy guide on what to do when it comes to saving or overpaying on your mortgage.
The money expert stated that overpaying on your mortgage often wins over savings - but not always. On the Money Saving Expert website, Martin explains: "Get it right and overpaying your mortgage can be a huge cash boost, because you'll be eating into the debt you've built up from buying a home, meaning you can be mortgage free sooner.
"But working out whether overpaying your mortgage is right for you isn't always straightforward."
