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Is the mortgage lender being fair and legal?! – mortgage overpayment issue

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  • Is the mortgage lender being fair and legal?! – mortgage overpayment issue

    I have a 25-year mortgage which is to be paid off in year 2040, and there are early payment restrictions for no more than 10% of the mortgage remaining balance.
    I had some spare money, so I paid 10%. I was advised by the bank that I can keep the monthly payment as it is now but shorten the mortgage term by 2 years to 2038, which is a very effective way of reducing overall interests during the whole mortgage term, I agreed and proceeded.
    However, a few months later I received the annual statement letter which still says that my mortgage is due to complete in 2040. I phone them and asked. They said that this is the contractual completion year and they cannot change it and they cannot issue ANYTHING in writing to me saying that it is due to complete in 2038.
    This does not sound right to me. Based on the annual statement – because I don’t have anything in writing to prove I’d be left with two more years to pay off the mortgage than it should be! Is the bank being fair and legal? I would appreciate any advice on what to do.
    In addition, how on earth do I know that they are not charging me interest on 2020-2040 not 2020-2038?
    Thanks for any advice