Outstanding balance at £170,417, Sir — projected clear Nov 2040, 7yr 8mo vs the contractual term. Current overpayment of £250/month saves £25,321 in interest over the life of the mortgage. Prior overpayments of £10,100 have already saved £15,598 in interest. Over a 10-year horizon, investing the overpayment amount outperforms. All systems nominal.