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Probably not, but it lets me use the overpayment later on if I can't make repayments. If I need the cash later I could just stop paying the mortgage for a while and let it eat into the reserve.
So it seemed worth building it up before later swapping the house for some Rapha slippers.Putting actual numbers on it, it's gone from 225k mortgage on a 300k house to 168 on a 468 estimation.
duncs
Is it worth overpaying if the interest rate is this low? Vs saving up cash for post Brexit apocalypse and Rapha City collection.