At the moment i am overpaying my mortgage with the EBS on a variable rate of 3.7% and they are offering a rate of 3.25% to fix for 5 years. There is about €150,000 outstanding with the house valued at about €200,000. Firstly, if i fix will i still be able to overpay each month as i am at the moment and secondly, would there be large savings to be made by moving from the EBS? When i started overpaying 2 years ago i was amazed what it was going to do to the length of the mortgage so my main aim is to clear it as soon as i can. I'm pretty clueless when it comes to this so my apologies if these are stupid questions. Thanks.