u/Subject-Hunter-424

Can someone help me understand loan terms please.

When I 1st took my mortgage in 2021 it was in the contract that it was for a period of 20 years. I have shaved off 5 years with paying higher repayments. Leaving 10 years left on the term.

Both loans are due to refix in the next month, the new amount is based on 10 years.

Silly question I know ....I thought it would be based on the remaining 15 years to make up the 20 year agreement that I originally signed with the bank

Am I looking at this wrong?