mortage overpayments?

[Lumiere]

I am now thinking of overpaying the mortgage by the amount I will not need in the foreseeable future, so keeping all available money in the offset saving account till the end of the mortgage may not be a good idea(if my assumptions are correct, of course - I will be speaking to my bank about this soon)

And they were not, I missed the point that at the end of the offset mortgage term you will have your house paid off and all savings still sitting nicely in the bank account, thus higher monthly repayment figure - you are also paying capital on the offset part of the mortgage. Interest only payments are the same for both mortgages, so I was rather over-paranoid about the whole thing.