u/That_Cheesecake1347

In summary, I currently own a house with my wife, we have a 35 years mortgage with PTSB, 5 year fixed to start.

We are currently just over 3 years in to the term, due to family circumstances and other factors we have had to take the decision to move.

We will be mortgaging our new home with PTSB again and have received our AIP. Depending on required mortgage level on the new home we wpuld ideally like to keep the term the same of shorter (32 years or less).

Im looking for advice on any ways to improve our repayment plans i.e regular overpayment, fortnightly payments, etc

We've done none of these things over our 3 years so far