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Probably forgot to factor tax into that though or something dumb.
Savings ISAs obviously do not pay much now. In the future, they might. Stocks and Shares ISAs obviously return better at the cost of a bit of risk (but not that much if you know what you are doing). They can probably beat the 2% or whatever you are paying on mortgage debt but like mortgage debt you need to be in the for the long term.
Yeah the tax free bit is what helps. There was a good discussion in the investment thread about ISA vs. Pension.
As long as you've maxed out ya ISAs and whatnot...