Good morning, Sir. Your mortgage balance stands at £171,073 with equity of £228,927, placing you on track for November 2040—a solid seven years and eight months ahead of the original contract. The £250 monthly overpayment has already saved £25,663 in interest and accelerated your payoff meaningfully, though the ten-year analysis suggests a modest edge to investing that surplus instead, which would yield £16,041 in profit against £7,880 in interest savings. Your current rate of 4.54% resets in July 2027, and the remaining interest bill of £62,563 remains substantial enough to warrant vigilance on that switch date. Systems nominal; analysis current as of today.