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The original was posted on /r/ukpersonalfinance by /u/exoduschips on 2023-08-11 15:12:02.

I currently overspend on my mortgage £450 pcm. The mortgage is 3%, fixed until November 2027 and I’ve just hit 60% LTV. I’m also a higher rate taxpayer.

I’m wondering what is the best thing to do with the overpayment out of a cash ISA, bonds or something else, but I want to keep it purely for overpayment.

I’m currently nearing the £500 savings interest limit based on the amount I have saved in the instant-access savings account I have (Chip).

Any advice welcome.