Should I overpay my mortgage or invest?

Overpaying your mortgage gives a guaranteed, tax-free return equal to your mortgage rate. Investing offers potentially higher but uncertain returns.

As a rule of thumb: if your mortgage rate is higher than a safe savings/ISA rate, overpaying often wins; if markets might return more over a long horizon, investing can.

Watch your lender’s annual overpayment limit (often 10%) to avoid an early repayment charge — the hub flags this for you.