Hope the title is ok. I have gotten some great advice on here and am hoping to overpay our EBS mortgage now we are no longer in a fixed rate. I spoke to them and while we can just pay extra into the account itself and leave our DD at the original amount he did say the system can identify this as an early payment and therefore reduce the DD amount. We would need to write to them each time to tell them to treat it as an extra payment to avoid this. We could increase the direct debit as we did with the fixed rate but I would like the flexibility of adding anything spare at the end of the month rather than being tied to that amount. Has anyone else done this? Is it easy enough to get them to react to the letter or is the direct debit the best way to go?