She was obviously just fishing to be told how wonderful she is for overpaying by that amount. She says later on ‘if you overpay do you see your balance going down quicker?’ Now, I don’t believe that anyone who has enough of a brain to earn money can’t figure out for herself that if you pay more off, your balance will go down quickerAhh Mumsnet. Where OP thinks it’s totally normal to have a spare £1000 to overpay your mortgage with.