can i improve paying off my mortgage?

funscott

I got an 80k Motgage Dec 2004 Boe +0.75 around 5.8% at the time. after a could of years I built my offset account upto around 5k and last year I finaly got round to transferring all my money including salary into my offset (what a nightmare the clyedale are muppets). so now I have on average arond 9k in the offset for the passed 18months and my payments have gradually came down from around £520pm to £420pm as my mortgage is now at 1.25%(happy days) however at the start of this year I have kept payments at 520pm. They actually hadnt dropped for the last 12 months as my payments are reviewed every 12 months even though interest is charged daily / adjusted. so im overpaying £100 ever month from the start of the year and probably around £60 -80 for the last year. I am now down to 71k as of this month. I dont want to skimp so i cant go out etc but any other thoughts? or am i doing thing right (I think im pritty money savy but could be totally wrong)

horrible thought that over 4 years 4 months (52months) iv paid £500 per month on average = £26000 to pay off £9k of mortgage I know im paying interest on alot of mony and it will come down alot over time but still its food for thought

bit of a ramble i know.