Overypay mortgage or invest

Altior

Hoenir said:

Altior said:

Shared ownership rates have a premium over regular rates. So it's not necessarily a poor rate. 

Interest rates are priced. They are what they are. 

Recent stock market returns have created a high level of complacency. Leveraging has become fashionable. History tells us that ultimately this trade ends abruptly and painfully. 

Yep, I feel like some other posters might have been comparing the the OP's rate to the whole of market. They are what they are, however shared ownership rates include a premium over standard repayment mortgages, circa 1% in my experience. 

MEM62

The window is too short for investing and you are unlikely to get a savings account that beats your mortgage rate in terms of interest.  Overpaying the mortgage seems to be the prudent course of action.