---
title: "UK Mortgage Guides: Overpaying, the 10% Rule and Fixed Rates Ending | Owned Outright"
description: "Plain-English UK mortgage guides: overpay or save, the 10% overpayment allowance and early repayment charges, and what to do when your fixed rate ends."
url: https://ownedoutright.com/uk/guides/
---

[UK](https://ownedoutright.com/uk/) › Guides # UK mortgage guides Short, sourced guides on the decisions UK borrowers actually face. Each one links to the calculator that runs the numbers for your own mortgage.

[### Should you overpay your mortgage or save? The return overpaying earns, what a savings account or ISA has to beat after tax, and the order to do things in.](https://ownedoutright.com/uk/guides/overpay-mortgage-or-save/) · [### The 10% overpayment rule and early repayment charges How the annual allowance works, which balance it is taken from, when the ERC bites, and how to overpay more without paying it.](https://ownedoutright.com/uk/guides/10-percent-overpayment-rule/) · [### What happens when your fixed rate ends The standard variable rate, product transfers and remortgaging, when you can lock in a new deal, and how to soften a payment jump.](https://ownedoutright.com/uk/guides/what-happens-when-your-fixed-rate-ends/)

Source: https://ownedoutright.com/uk/guides/