Pay off mortgage + student loan or invest/save?

Afternoon all,

As the title suggest, I'm torn between two options: paying off my debt, or using that money to save/invest for the future.

A bit of background. I have enough cash in a savings account (1.4%) to pay off my mortgage in 5 years' time (can't pay it off in full before the fixed term expires) and to pay off my student loan (currently £13k) in its entirety. But this money represents about 3/4s of my net worth. The other quarter is mostly invested in ETFs, with a bit in crypto as well. I'm in my mid 30s, self-employed, living abroad (in the EU), and have a family to support.

Do you think it's best to strive to be debt free as soon as possible? Or would that money be better used in long-term investments?

Oh and both the mortgage and student loan have a marginally higher interest rate than my savings account, but only by 0.2%

Thanks in advance for your wisdom!