I’m probably missing something here but I’m sure AAM members can help me. We have a 20 year mortgage which we took out in 2009. We overpaid our mortgage repayments for 15 months and also added one lump sum. These payments were deducted from the principal/capital of the mortgage. For the duration of our additional monthly payments it was stated on our annual loan statement that the loan was scheduled to mature at a date much earlier that than 2029 (2020 I think). Of course, I understand that that date would change once we discontinued our additional payments. However, I note on our annual loan statement, that since we stopped the additional payments, the date that our loan is scheduled to be repaid is once again the same date in 2029. I know that by making the additional payments we will be paying less interest on the loan overall but should it not mature at an earlier date also? I’m usually ok at this sort of thing but just can’t get my head around this one so any input will be much appreciated.