Outstanding balance at £171,073, Sir — projected clear Dec 2040, 7yr 7mo vs the contractual term. Current overpayment of £250/month saves £25,660 in interest over the life of the mortgage. Prior overpayments of £8,763 have already saved £13,527 in interest. Over a 10-year horizon, investing the overpayment amount outperforms. All systems nominal.