hi, we are arranging a one off out of course lodgement against the principle of our mortgage in order to reduce the term. this will knock 5 yrs off the mtg according to karl jeacles calculator. now, if i arrange an additional monthly prepayment of €200 pm then this will knock a further 5yrs off!! Our mtg is with AIB, tracker type, - do aib allow prepayments, i.e. additional payments every month on top of our usual mortgage payment amount but directed at reducing the outstanding principle? Also, can i stop these additional payments if we need extra cash??