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Thanks for that suggestion.
Different circumstances, but can gain from a Government funded lump sum in 10 years time.Presumably one needs to find a broker to set up a SIPP.
Any recommendations?
The only firm I have had any contact with, in the past, was Hargreaves Lansdown,
but, with their founders' support for brexhit they will never profit from the sweat of my brow.
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good table of online brokers here : http://monevator.com/compare-uk-cheapest-online-brokers/
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This is a good article on providers.
If you're within a decent period of retirement (10 years), I think the best thing to do is bury any overpay in to a SIPP, take the 20% uplift (tax rebate) and then pay off the mortgage with the 25% tax free drawdown. Ezy gainz.