Mortgage Overpayment vs Investment
Standard monthly PMT
£0
Overpay strategy – payoff
—
Investment strategy – payoff
—
Interest paid (Overpay)
£0
Interest paid (Invest)
£0
Interest saved by overpaying
£0
Portfolio at horizon (Overpay path)
£0
Portfolio at horizon (Invest path)
£0
Net worth gap at horizon (Invest − Overpay)
£0
Net worth includes home equity (assumes flat property value) + portfolio − mortgage balance. We compare two strategies using the same extra amount: **Overpay** vs **Invest**; with optional recycling of freed payments after payoff.
Mortgage balance over time (grey = standard; green = overpay; teal = invest path balance).