Hello. Q1. I've made a lump sum over payment to my mortgage account. I contacted EBS who said that 'this will go as credit on your account until you instruct us Verbally or by writing to take it off the Principle(Repayments) or the Capital (Term). Once you restructure the loan, that is the new terms of the loan'.......This is the first time that I have made an over-payment and wanted to check here that I give the EBS the instruction that is best for me. Should I instruct EBS to take this lump sum payment off the Principle or the Capital? or can I just leave it as a credit on the account? Q2. Depending on surplus cash at the end of each month, I am considering to make regular monthly overpayments . if I do this, would I have to contact the EBS each time to give them an instruction of how I want the overpayment allocated?