It feels pointless to pay more than I need to on mortgage

Thrugelmir

leftism said:

Say, for instance, my mortgage is 1k a month for 20 years, in ten years time, 1k will be worth less, so so much easier to pay. (and home improvements will also cost a lot more)

How secure are your jobs and also your relationship. It's what you don't plan for that catches people out. Life is a rollercoaster over which there's no control of many events. Sometimes caution is the better option. The tortoise after all beat the hare in the race to the finish. 

FtbDreaming

Ive only had my mortgage 6 days and already made the first overpayments. IMO I want to be mortgage free at 40 So will overpay now then have 28 years until retirement to keep living and pay more into my pension. (Already paying 9.4% employee and get about 14% employer). 

I have rented since 16 years old. I must have easily paid £80,000 rent in that time.  I now see a number that can be reduced and light at the end of the tunnel. I will savour the day when my outgoings will be reduced to almost nothing.