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Guides for UK homeowners on mortgages, investing, and making the two work together.
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Should I overpay my mortgage or invest?
How to weigh a guaranteed saving on mortgage interest against the potential, but uncertain, growth from investing, with a worked example.
4 min read · Updated 3 October 2026
All guides
- Mortgages Should I overpay my mortgage or invest? How to weigh a guaranteed saving on mortgage interest against the potential, but uncertain, growth from investing, with a worked example. 4 min read · Updated 3 October 2026
- Remortgaging What happens when your fixed rate ends? What happens when your fixed mortgage rate ends: the three options, what could happen to your payment and when to start looking. A plain-English guide for UK homeowners. 2 min read · Updated 3 October 2026
- Mortgages How much can you overpay your mortgage each year? Many UK lenders allow up to 10% a year without a charge. See how overpayment limits work, what early repayment charges apply and how to check yours. 2 min read · Updated 3 October 2026
- Mortgages Is it better to overpay your mortgage or save? Compare your mortgage rate with your savings rate after tax, with a worked example. A plain-English guide for UK homeowners. 2 min read · Updated 3 October 2026
- Investing and ISAs How does a Stocks and Shares ISA work? A guide for homeowners How a Stocks and Shares ISA works: the £20,000 allowance, the tax benefits, the risks and how it compares with a GIA. A plain-English guide for homeowners. 3 min read · Updated 3 October 2026
- Mortgage-free living What does being mortgage-free mean for your family? What changes when you are mortgage-free, what stays the same and how homeowners think about getting there, with a worked example. 1 min read · Updated 3 October 2026
Our guides are for information only and are not personal advice. If you invest, your capital is at risk. Your home may be repossessed if you do not keep up repayments on your mortgage.