Скачать или смотреть Paying Off Your Mortgage Early Might Be a Huge Mistake

Should you overpay your mortgage… or invest instead in 2026? 🏠📈

With UK mortgage rates around 4–5%, many homeowners are rushing to become debt-free.
But here’s the uncomfortable truth 👇
paying off your mortgage early could actually leave you worse off financially.

I’m Matt, a Chartered Accountant, and in this video I break down the decision properly, using UK-specific maths, tax rules, and real-world logic. So you can decide what’s right for you, not just what sounds sensible.

In this video, you’ll learn:

✅ Mortgage overpayments vs investing explained simply
✅ 2026 mortgage rates vs realistic investment returns
✅ Why a Stocks & Shares ISA changes everything
✅ The hidden cost of “peace of mind”
✅ A clear rule of thumb for 2026
✅ When overpaying does make sense
✅ When investing is mathematically the better option

This is not American finance advice.
This is UK-specific, practical, and grounded in how the system actually works.

⏱️ Chapters


🧠 Key takeaway:
This decision isn’t just about numbers, it’s about risk, flexibility, psychology, and long-term wealth.

💬 Your turn:
Comment below with your current mortgage rate and whether you’re leaning towards overpaying or investing 👇
I read every comment.

👍 If this helped, drop a like, it really helps the channel
🔔 Subscribe to MattGDoesFinance for clear, no-nonsense UK personal finance

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⚠️ Disclaimer
This video is for educational purposes only and does not constitute financial advice.
Your personal circumstances, risk tolerance, and tax position matter.
Always do your own research or speak to a regulated financial adviser before making financial decisions.