We received a mortgage health check form today to fill out and return. We need to state and evidence how we intend to pay off the mortgage (e.g., savings (offset), stocks & shares, pension lump sum etc.).
Having to state and commit to these has, somehow, startled DH. I am just quietly grateful that it reinforces the things that I've been saying but he hasn't fully been accepting. Such as, our current savings are not savings in the way he thinks but specifically designated for the mortgage and mustn't be touched (extremis aside and even then, there'd need to be a cast iron restoration plan).
Since the first DH-initiated conversation in Feb., we've not been able to have the budget discussion. But, yes, this month, on schedule, we officially have enough to cover the full final payment. (DH's death in service covers the mortgage so although I'd been considering paying off the mortgage to pre-empt any fecklessness on his part, the risk-benefit is currently leaning towards not paying it off. I'm prepared to change my mind very quickly, if needs be.)