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  • Just skim read all of the overpaying mortgage vs investing and there isn't one answer. Highly circumstantial. Best chatting to an IFA with your set of circumstances.
    -risk appetite and the psychological side
    -what your mortgage rate is
    -have you used your ISA allowance for the year / how likely you are to hit annual CGT limit in the future
    -how balanced your overall assets are inc house (this was a good point someone made)
    -stage of life (if young, probably invest, if nearer retirement, maybe pay off to clear it)
    -how disciplined you are (to actually invest it)
    -goals & ambitions
    -if you plan to move in the future

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