If it's marginal, then personally I'd also consider the reduction of mental load of overpaying mortgage. If I was going to make <£1k over 5yrs I don't think I'd bother
You might look at it the other way and say that <£1k is a pretty low "option premium" for having readily available cash.
@NickCJ started
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If it's marginal, then personally I'd also consider the reduction of mental load of overpaying mortgage. If I was going to make <£1k over 5yrs I don't think I'd bother