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Consecutive interest rate rises are making us think of paying a bit more off our mortgage. Between us, my husband and I got a salary increase of €4,000 this year which is not earmarked for anything specific. Before we get used to it, should we overpay our loan and what would this involve? We have a Bank of Ireland mortgage which is currently on a fixed rate until August and we owe €205,000 over 14 years left. Our house is worth around €500,000.

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