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  • This may be a stupid question but as someone who is in the following situation:

    • Fixed mortgage for another 3 years at 1.5x% (around 60% LTV)
    • Monthly SIPP investments + monthly work pension investments
    • Monthly S&S ISA investments

    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?

  • 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

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