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3% is quite expensive for a mortgage at the moment so you should be able to get this down to 1.3-5% if you move down in LTV ratio.
Once you get down to a low cost mortgage that's the point to question whether repaying is a good option. For example you can risk free get 2.5% from regular savers so makes sense to use these rather than repay once you get down to a 1.5% mortgage.
Monster1985
@umop3pisdn
I did speak to a financial advisor about 9 months ago, but our situation and short/medium term plans then were quite different to now. Will see if she's on Zoom.