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midlife
If you do take your pension before your current mortgage deal is up, it’s possible that savings rates are higher than your current mortgage rate and deal.
As you are paying mainly capital back in the last 5 years and the interest is a small proportion, maybe worth considering clearing it at the end of your current deal, and hold any spare pension lump sum funds in a high interest savings, of which some around 4-5% are showing up.
You’ll have to pay the mortgage from your pension lump sum for a while, but basically you’re paying off the capital.