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What @cjr says.
A flexible offset mortgage is the answer. Take out the maximum you can, then put all your money in the account it offsets against. You’ll pay no interest as you’ve effectively paid it off but will be able to draw money out of the account instantly if you need it to buy a £40k kitchen or a 6 litre car.
Hefty
5year Mortgage agreement on house is ending in March another 24 on it. Sadly gf’s mum died last year which could put us in a unwanted but position to pay off the mortgage. Is there any reason to not pay it off completely? I know things like credit is I think set on having debt,but feel something sad could in some way be positive.