Your mortgage sits at £171,073 with payoff locked for November 2040, a robust 7 years 8 months ahead of contract—the £250 monthly overpayment has already saved £25,663 in interest and carved £8,763 directly from principal. That said, the ten-year analysis suggests investing that same £250 would net you £16,041 versus £7,880 in interest savings, a spread worth watching as rates stabilize post-July 2027. You're holding 57.2% equity with £62,563 interest remaining; the math leans toward redirecting future overpayments into growth vehicles while your rate holds steady, Sir. Systems green: all figures verified, rate switch timeline flagged for Q2 2027 review.