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We're fixed until middle of 2028 at a low rate for a 10 year fix, but does mean until very recently it was still high enough to mean it was better to overpay than put everything into savings. While interest rates were so low that savings were pointless (other than for providing an emergency...

Mine with Nationwide is 10% of the original sum per year.

I guess a lot depends on how big an impact that reset has. How much of your monthly budget gets freed up as a result of clearing the debts? What proportion of the total budget is it? If you clear it, how much of it can you then shovel into savings/ (safe) investments without having an adverse...