Overpaying mortgage monthly or yearly?

[leemarkadams]

Hello all, in the fortunate position to be able to save a lump of cash each month and we are looking to overpay the mortgage, our mortgage company allow us to overpay as much as we want as many times as we want.

So, the thing is do we overpay at the end of each month, or do we overpay just once every 6 months or so (just in case we need the saved money for some reason).

Now I am thinking of paying a lump sum each month but is that correct?

Thanks

Lee