Good morning, Sir. Your mortgage stands at £171,790 with equity of 57.1 per cent, tracking toward payoff in November 2040—seven years and eight months ahead of contract. The £250 monthly overpayment has already saved £26,042 in interest, though the ten-year analysis suggests investing that capital would generate £16,041 in profit versus £7,880 in interest savings, indicating your current acceleration strategy is emotionally satisfying rather than financially optimal. You'll face a rate switch in July 2027; the remaining interest of £63,241 is manageable at your trajectory. Systems nominal, all data current.