Owning your own home

I imagine everyone will be different.

My mortgage started at 95% LTV so had a pretty shit rate. After the first two years that changed to 80% according to the bank (fuckers, Zoopla had it more like 60%). So while it was slightly better, I took a 5 year fix and decided myself to overpay and save.

The overpaying on mortgages makes me wonder.

Yes - it often portrayed as being a simple win - but that doesn't take in to consideration the other things you could have invested the money in. If you do start to consider that then things get complicated however so I can see why they don't.

Is it better to overpay a mortgage or add extra money to a pension fund? I'm 46 btw.

Depends on the type of fund and the size / cost of the mortgage, and whether you are in the higher tax bracket etc etc. See - it gets complicated whereas paying down debt is simple advice that is very rarely completely wrong. Unless you have a time travel machine and you can go back to 2009 and buy Bitcoin at 50p.

Mr_Swold definitely better adding to pension fund which if done correctly is tax free any money put to mortgage will just be held as lump sum until you finish paying the mortgage term. The bank or building society is not really interested in the amount they lend you but what they get back in interest which is how they make money they therefore will not offer you anything off for paying back early.