Concentrate on mortgage or have I other options?

[Cavangal]

After advice from here (thank you all) I worked hard at the mortgage
18 months into 7 year fixed at 3%
Home value approx 300k. Mortgage remaining 60k. Currently overpaying 300 per month
Rainy day fund enough to cover mortgage for 2 years
Age 40.2 kids primary school
No other debts

I can push the overpayment up but should I do this or something else?
Currently no pension. I'm a Carer so I don't think tax relief would apply.
Any thoughts please?

 

[PaddyW]

Previous thread on pensions and not working

Opening a Prsa when not working

I am asking here on behalf of a friend of mine. My friend is currently getting a disability allowance. At the moment they are paying towards a prsi stamp so they will get the contributory pension at pension age. My friend would like to open a prsa to have a bit more cash at pension age. At the...

www.askaboutmoney.com

 

[Cavangal]

Thank you PaddyW. From the information in this it seems that it may be no benefit or little benefit to put funds into a pension without tax relief or top up contributions.

Extra overpayments to the mortgage at least reduces the total interest repayable.