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@frankenbike
I am too millennial to have a mortgage but isn't there a product where you put your savings in some kind of linked account? And then the bank will use that to offset your interest? It achieves the same thing as overpaying except it's reversible so you can take the cash out again if you need it.
So say you had £100k mortgage and £50k in cash - you only pay interest on the remaining £50k. If you had £100k in cash, you'd pay no interest at all.
Yes, I'm right, this is a product and it's called an offset mortgage
Pretty brilliant really, everyone needs some emergency savings obviously but you're not going to get 1.8% interest, easy access and zero risk anywhere else