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Curated by: The Compounding Project (76 videos)
I’m currently overpaying my mortgage by £186 per month, even though the interest rate is only 1.74%. Most personal finance advice says you should invest the money instead… so am I making a mistake? In this video I walk through my real mortgage numbers, explain why I started overpaying, and look at the actual maths behind the decision. At the end of 2025 our mortgage balance was £123,817, with a required monthly payment of £614 fixed at 1.74% until May 2027. But instead of paying the minimum, we’ve been paying £800 per month. That means £186 extra every month going straight towards reducing the mortgage balance. So the question is: Should I keep overpaying the mortgage… or would it be better to invest that money instead? In this video I cover: • Our real mortgage balance and equity • What £186 per month actually does to the mortgage • Where the balance could be by the 2027 re-fix • The investing vs overpaying maths • Why the spreadsheet answer isn’t always the whole story Mathematically, investing in the stock market may win over the long term. But personal finance decisions aren’t always just spreadsheets and averages, they’re also about risk, stress, and how you want your financial life to feel. This channel documents my real financial decisions, real numbers, and the journey towards financial independence. No gurus. No pretending to know everything. Just sharing the decisions as they happen. 📈 Subscribe to follow the journey: New videos about investing, mortgages, and real personal finance decisions. ⚠️ Disclaimer: This video is not financial advice. I'm simply sharing my own situation and thought process. Hashtags #MortgageOverpayment #InvestOrOverpay #UKPersonalFinance #MortgageUK #InvestingUK #FinancialIndependence #MoneyDecisions #PersonalFinanceUK #MortgageVsInvesting #TheCompoundingProject Topics covered: mortgage overpayment UK, invest vs overpay mortgage, 1.74% mortgage decision, personal finance UK, investing vs debt.