Скачать или смотреть Mortgage vs Investing: The TRUTH You NEED To Know

Making the right choice between mortgage overpayment and investing isn't just about comparing returns - it's about making the tax system work in your favour. With mortgage rates sitting around 5% and the ISA allowance at £20,000, the decision becomes much more nuanced when you factor in tax relief.

This video breaks down the tax efficient investing strategies that most people completely miss. If you're a higher rate taxpayer earning over £50,270, you could be missing out on thousands in pension tax relief - getting 40% back on every contribution up to the £60,000 annual pension allowance. Even basic rate taxpayers can benefit massively from the right ISA vs mortgage strategy.

We cover exactly when pension contributions should take priority, how to maximise your stocks and shares ISA returns, and the specific situations where mortgage overpayment actually makes sense. You'll learn about the optimal priority order for your spare cash, from employer pension match through to building your emergency fund in a cash ISA.

Perfect for people looking to make smart financial planning decisions in 2025. Whether you're wondering about investment returns versus guaranteed debt repayment, or trying to understand pension tax relief versus ISA benefits, this guide gives you the clarity you need.
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