Save money or throw at mortgage?

[YellowRedBlueGreen]

I hope to save as much money as I can over the next few years providing I don't lose my job or end up in bad health or whatever (touch wood). I'm fixed until 2026 so thankful for that... I have a savings account. I will always aim to keep enough in there for emergencies like boiler replacement house, car issues etc. Thousands not hundreds. But once that nest egg is above a certain level would I be better off building that savings account (with fuck all interest) or throwing everything I can at the mortgage?

I've been overpaying my mortgage for the last few years. If interest rates go the way predicted, then the new monthly payment will absorb the overpayments going forward. I took out a 32 year mortgage, would be settled in 17 years if things had stayed the same, now it's going to run to full term for the same amount of repayment!

I've also been saving up - got quite a decent sum that was intending to spend on extending and renovating the house. Now I've given up on that idea and just throwing as much as I can at overpaying my mortgage. The savings could halve it, but it means my kids will grow up in massively overcrowded conditions. 😥