'By just restructuring the payments, we knocked seven years off our mortgage and saved about 40,000 in interest'

Deirdre O'Keeffe's decision to restructure her mortgage repayments in 2021 enabled her to clear the loan seven-and-a-half years earlier, reflecting financial resilience.

Initially shocked by the slow progress of paying off her mortgage, O'Keeffe found it 'soul-destroying' to only reduce the capital by €150 in the first year.

Read at Independent