Advice - what to do with a £10k pay rise

The_Real_Cheddar_Bob

I can overpay the mortgage 10% per year. At this moment in time, I have chosen to put all spare income into a S&S ISA, rather than the mortgage on the basis I can access the money in the future if I need it, the mortgage I've lost access to it all together.

My pension contributions are something that could probably do with looking at, I pay into a pension and my employer makes a contribution, but it's not the best of schemes in terms of financial benefit so this is probably a wise choice, but as per the mortgage, the money is lost until retirement.

Option three, build up savings, this is the best option for me to do. The house I live in needs investment to make it a forever home. Before I start with that, I need to build up a nest egg, something I've not had ever.

Thank you all for help and advice.