I have been comparing mortgages on a banks website.

It appears that the term I choose does not affect the interest rate I am offered.

In this case the deals allow 10% overpayment per year without penalty.

In this case does it makes sense to go for a longer term so my compulsory repayments are less, then voluntarily overpay in the first 3-5 years (after which point I will most likely remortgage)? This then gives me the option to be paying less should I get into financial difficulty.