Sorting out my mortgage should be done soon repayment mortgage with £4313 outstanding got my payments fixed £224 have been overpaying £100 -£200 p/m as well on nationwide bmr(allowed to overpay £500 p/m on product).
I have £25k as overpayment.

What do people do completely pay off ?
Keep a nominal sum so can borrow back at future date?
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