Would paying off £50-£100 pcm extra off our mortgage make much difference ?

[midnightsanxster]

£210k left over 17 years @ £1600 pcm, without any overpayment

I think if you search on the Martin Lewis money expert website, there is a spreadsheet on there that will calculate this for you - I used it to work out how long it would knock off my mortgage to start overpaying.

https://www.moneysavingexpert.com/mortgages/mortgage-overpayment-calculator/

You need your % interest too

You’d pay it off a year and a half early and save £12k

I would put half into overpaying the mortgage and half as extra pension contributions. Both are meaningful and useful to you long term.

Check your mortgage details to make sure there are no penalties for overpayment. Then pay up to the maximum percentage allowed. You will save yourself a considerable sum in the long term.