Would you pay off mortgage now?

[Pearlyqueen21]

We remortgage in 4 months, so I’m getting my head round the current situation with interest rates, poor returns on investments, the need to make our monthly income stretch further and further, etc etc.
I need to look at how easily we can access the cash (currently invested) but I think we can pay it off (or near enough) by plunging our savings into it. I would hang onto an emergency fund of £10k. We could put the mortgage money into energy costs and saving a bit each month. Sensible?

We had an offset mortgage and we overpaid the maximum allowed each month, the overpayment went into a savings account. We could draw down on it if we needed to. We did it a couple of times, once to buy a car and another time for improvements to the house. It was a great way to save. We moved house and changed to a Tracker mortgage.

We’ve had three really good mortgage deals, the offset one, the tracker mortgage (this one was the best, it tracked the Bank of Englands base rate…the low interest rates post 2007 onwards really worked in our favour.)
And one where DH’s salary was paid into, I’m not too sure if that was the Offset one though.