What to do?

GH12345

I have a spare £100 a month which I am happy to save for a long period. Am I best paying more into my pension/paying into a Lifetime ISA/paying extra on my mortgage payments/ something totally different? I appreciate there may not be one clear answer here, I just hoped someone may be able to give me some advice. 

Thank you in advance.

Albermarle

More details needed:
Your age? 
Are you earning a wage/salary ?
What is your current pension?
Do you have any cash savings ?
How big is your mortgage and what interest rate are you paying?

GH12345

26
Approx £30,000 salary
Current pension contributions are approx £170 per month
I do have some cash savings.
Mortgage is £110,000 approx with 2.2% over 35 years. 

Thanks

Zorillo

Definitely pension. 

bowlhead99

Zorillo said:

Definitely pension. 

At that stage of your life and salary range, I'd generally prefer S&S Lifetime ISA for the greater tax benefit as a basic rate taxpayer and greater flexibility. Unless the workplace pension would get you free employer matching money if you increase your contribution and/or is done on a salary sacrifice basis allowing you to save national insurance contributions as well as income tax.