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@aggi
Think this was discussed fairly recently, maybe on the investments thread.
Overpaying doesn't necessarily make sense at the moment. For example I'm getting about 7.5% return on an ISA with nutmeg. That compares to a mortgage rate of about 2%. Currently overpaying doesn't make sense.
However, there is a chance that further down the line interest rates will jump and if you have more capital left you'll be paying more interest. In theory you can use the interest/money you've saved from not overpaying to pay off a chunk of capital and return you to a better position but there may be a limit on how much you can overpay.
The other side is if you overpay you may get to a more favourable LTV band with a better mortgage rate sooner.
It's a bit more complicated than overpaying is always best.