Outstanding balance at £169,945, Sir — projected clear Mar 2046, 2yr 4mo vs the contractual term. Current overpayment of £0/month saves £0 in interest over the life of the mortgage. Prior overpayments of £9,013 have already saved £13,712 in interest. Over a 10-year horizon, overpaying the overpayment amount outperforms. All systems nominal.