I Thought Lower LTV Would Save Me Money… I Was Wrong

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Are mortgage overpayments still worth it once your Loan to Value is already low?

In this video, I look at a real UK remortgage example, comparing LTV bands, mortgage rates, monthly payments, and whether aggressively overpaying actually leads to a better deal. We explore why the biggest savings often happen at higher LTV bands, why the benefits can flatten below 60% LTV, and why overpaying may still make sense for flexibility, lower debt, and financial peace of mind.

This is not financial advice - just a real-world look at mortgages, overpayments, remortgaging, and long-term personal finance decisions.

#ukmortgage #ukpropertyinvesting #personalfinance
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