I would just like to say

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The mortgage is less than £30k so not worth paying off early because, as you say, there are penalties. I have retired at 55 but due to ill health so this move just means I can enjoy what time I have left pottering in my workshop :)
My Mrs stands to be financially secure and can do what she wants when I am gone :D
The charge for paying mine oft iffit were 30k sovs would be 3%. So 900 sovs. Still a lot saved on interest if yer did.
 
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