Should I overpay the mortgage?
What it saves is arithmetic. Whether investing would have done better is a guess — so we give you the exact rate it would have to beat, and let you pick the rest.
For instance
Today's quoted rates
Bank of England averages of quoted household rates, 2026-08. Not an offer — yours depends on your loan-to-value and lender.
| 2-year fix, 75% LTVIUMBV34 | 4.92% |
| 5-year fix, 75% LTVIUMBV42 | 4.78% |
| Standard variable rateIUMTLMV | 6.58% |