Sir, your mortgage stands at £171,073 with payoff tracking November 2040—seven years eight months ahead of contract, a substantial acceleration powered by your £250 monthly overpayments. Those overpayments have already saved £25,663 in interest against the original schedule, though the ten-year analysis suggests deploying that same capital into investments would have yielded £16,041 profit versus £7,880 in interest savings; the mathematics favour equities, yet your current trajectory is neither wasteful nor suboptimal given the psychological comfort of accelerated debt reduction. Your equity position at 57.2% is healthy, rate stability until July 2027 is locked, and interest burden remaining sits at £62,563 against the original £88,226. Systems nominal: all projections current, no rate volatility flagged.