No she specifically said the 10% overpayment limit no longer applied and there may only be a penalty if fully redeeming the mortgage. Not sure if this only applies for customers transferred from UB or not. Have some funds I was going to put into a Raisin deposit account but now thinking this is a better option.Are you sure that the PTSB staff member was not simply referring to the standard way in which they treat overpayments?