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With regard to over-paying, is it better to overpay each month or to save for 12 months and then whack over a lump sum? Personally speaking I'm leaning towards over paying each month because doing that would mean the money is then out of my account and thus unavailable for me to dip into.

Thanks again for all the responses. Seems over-paying on the mortgage is the way to go!

I knew this topic would help, thanks to all for the advice.

Cheers, I think this is what I'm leaning towards. Instead of splitting it in half, splinter it into smaller groups and then save, invest and bring the mortgage down.

Thanks Springal, will check out The Share Centre.

Yeah we're not even a year into it yet but we can overpay. It's something like X% of the total amount remaining per year.

I'm currently saving a decent sum of money a month, putting it into a basic cash ISA with a horribly low AER. Recently I've been thinking about splitting it out and putting half away into some sort of investment fund and keeping the other half going into the ISA. Trouble is I've never done...