# Should you overpay your mortgage or save – and how to make it work? And no ‘no standing charges’ tariffs

Page: https://stenobird.com/podcast/the-martin-lewis-podcast-644025/should-you-overpay-your-mortgage-or-save-and-how-to-make-it-work-and-no-no-standing-charges-tariffs
Text version: https://stenobird.com/podcast/the-martin-lewis-podcast-644025/should-you-overpay-your-mortgage-or-save-and-how-to-make-it-work-and-no-no-standing-charges-tariffs.md
Podcast: [The Martin Lewis Podcast](https://stenobird.com/podcast/the-martin-lewis-podcast-644025)
Published: 2026-02-05T18:39:00+00:00
Episode link: http://www.bbc.co.uk/programmes/m002r1mr
Audio file: http://open.live.bbc.co.uk/mediaselector/6/redir/version/2.0/mediaset/audio-nondrm-download-rss/proto/http/vpid/p0mzd0h4.mp3
Processing state: not_requested
JSON: https://stenobird.com/v1/public/podcasts/the-martin-lewis-podcast-644025/episodes/should-you-overpay-your-mortgage-or-save-and-how-to-make-it-work-and-no-no-standing-charges-tariffs
Duration seconds: 3610

## Resource

Martin Lewis on whether you should use savings to overpay your mortgage - factoring in your emergency fund, your rates, and whether overpayments come with penalties. Martin gives his reaction to the Bank of England announcing just before we recorded that interest rates have remained unchanged at 3.75%. We look at what has happened to Ofgem's no standing charges tariff options promise. This week’s Tell Us is what money rule do you follow now that you once thought pointless or over the top, and we’re joined by a special guest for that at the end of the pod. Martin explains why he has written a letter urging the Scottish Government to improve their Power of Attorney system. And Money Mastermind is on travel rights, but this week, Martin didn’t write the question! If you want to ask Martin a question, you now can! His Question Time podcast lets you ask Martin absolutely anything and everything (within reason!) – so if you’ve always wanted to know what colour his eyes are, what he's planning to do in his eventual retirement, or have a very complicated question about your personal finances, email it to MartinLewisPodcast@bbc.co.uk.

## Actions

- request_transcript: `POST https://stenobird.com/v1/public/podcasts/the-martin-lewis-podcast-644025/episodes/should-you-overpay-your-mortgage-or-save-and-how-to-make-it-work-and-no-no-standing-charges-tariffs/transcription-requests` — Idempotently request low-priority transcript generation for this episode.
- read_markdown: `GET https://stenobird.com/podcast/the-martin-lewis-podcast-644025/should-you-overpay-your-mortgage-or-save-and-how-to-make-it-work-and-no-no-standing-charges-tariffs.md` — Read the agent-friendly Markdown representation of this episode resource.

A page view does not enqueue transcription. Agents should invoke `request_transcript` explicitly when they need this episode processed.

## Transcript

Full transcripts are not published on public pages unless there is a clear rights basis.