Does overpaying a mortgage help in getting a large mortgage?

[MrSparks]

Quick question, if you consistently overpay a mortgage, does that increase your borrowing chances (with the same lender) if you move house and require a larger mortgage? Or is it simply worked out on affordability and that's all they take into account?

[Sarnie]

MrSparks said:

Quick question, if you consistently overpay a mortgage, does that increase your borrowing chances (with the same lender) if you move house and require a larger mortgage? Or is it simply worked out on affordability and that's all they take into account?

No and yes.

[MrSparks]

Sarnie said:

No and yes.

Ohhhh and thanks

Looks like I'm going for another project house stepping stone then! I'll dig out me tools again!

[Welshbeef]

MrSparks said:

Ohhhh and thanks

Looks like I'm going for another project house stepping stone then! I'll dig out me tools again!

Or sit tight and if you think market it tippy wait 5 year then buy at a lower cost