Decide Between Overpaying The Mortgage Or Investing Spare Cash

Spare cash sits in the current account every month while you go back and forth between overpaying the mortgage and investing instead. This puts the guaranteed return against a realistic investment return, accounts for early repayment charges and access to your money, and gives a straight recommendation, including a sensible split if that suits you better than picking one.

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You have {SPARE_AMOUNT} a month spare after essentials. Your mortgage rate is {MORTGAGE_RATE} and you are weighing overpaying it against investing the same amount.
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**Help decide between overpaying and investing:**
1. Compare the guaranteed return of overpaying against a realistic long-term investment return
2. Account for early repayment charges, mortgage terms, and access to the money if plans change
3. Factor in risk tolerance and time horizon as variables, not fixed answers
4. Give a split recommendation if a mix of both makes more sense than an all-or-nothing choice
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- A side-by-side comparison of guaranteed versus expected return
- A recommendation, including a possible split, with the reasoning stated plainly
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