overpay by as much as you can affored each month.we started when we got a discounted fixed rate then kept payments the same when it whent down to the max alowed before it came of as a capital repayment then 10% each year for the 3 years of the discount.On the safe keaping of the deads its dosent matter nowdays as land resgetry keep them electronicaly you get a ref number incase you losse them, and you can access them online
Paulh