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@chrisbmx116
+1 for pay it off.
Nice "thanks mum" legacy/gift. The psychological benefit of being mortgage free is massive IMO, plus the reduction of (ok its not massive) admin you have to do every time you remortgage, the monthly amount it frees up (which you could put 50% of away and grow savings while feeling like you have loads more money to play with) make it a no brainer for me.
And sorry for your loss.