RC diary to driving down mortgage


33 years old, coming to the end(Sept 2023) of a 5 year fix. I am aiming to pay off the mortgage as soon as possible(without paying additional fees). I have over paid 10% of the balance this year. First over payment since having mortgage. I wish I had started over paying sooner. I am not able to do any more before the deal comes to an end without incurring early repayment charges.

Property purchase price 200,000
Mortgage remaining 115,000 with 17-18 years remaining 
Assets cash / shares 60,000

I'm not 100% clued up on different mortgage types, but likely be looking at some sort of tracker that allows unlimited over payment. I will likely use 30,000 of cash to drive down the mortgage. 

I welcome any suggestions or ideas on best approach to drive down mortgage.


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