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I'm putting it in fixed rate accounts and will pay off a lump when remortgaging.
The only reason to overpay is if you fear you might lack willpower to stock to the plan, and end up spending it.
I wouldn't invest any money I'm going to need in only 3 years time.
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If you expect to be able to get more than 1.5% on your investments (which seems very likely, given the interest rate) and you are disciplined enough to not spend the savings, then it might make sense to put the money somewhere other than mortgage overpayments
Drakien
duncs
@M4xime
This may be a stupid question but as someone who is in the following situation:
I'm not sure how to go about the next period until the end of the fixed mortgage. Should I continue to pay the minimum and invest the rest on the basis that the expected return should be greater over the next 5 years or should I look into overpayments?