HELP: Wondering what to do

slippyg

cattie said:

I'd go with my gut feeling & I'd pay it off the mortgage, it's the best feeling in the world, especially when you clear it extra early. I cleared my mortgage in 12yrs & have never regretted it.

The last thing I'd be interested in is getting into BTL, I'd never want to be a landlord. And I'd certainly not want to buy abroad unless I was choosing to move there in the near future. A bigger house only really makes sense if you need more space as a bigger home tends to mean more council tax, heating costs, water rates, insurance etc. not to mention moving costs, stamp duty & legal fees.

Solid reply, thank you.  I'm greedy for the space If im honest.  I don't 'really' need it.  Im in a terrace without rear access which annoys me.  But there are obviously more important things in life to worry about. 

barnstar2077

How old are you?  Do you have a retirement plan in place yet?  I know you have a pension, but have you thought about when you will take it, and would you like to retire earlier etc?