Moneymakeover 29 Years old looking for next steps in financial journey.

100% this is certainly a consideration I'll have to take into account in the next few years, I have a long term partner who is self employed and doing very well, the reason I didn't mention was we have little to no crossover beyond splitting bills and food costs.
I would start here and discuss your finances openly with your partner and what you both want to achieve. It's normal enough that your finances have stayed fairly seperate up until now but from here forward you should be in it together.

That's not to say that you can't still have some independance in your finances but there shouldn't be any major soloruns like buying a BTL unless you are both on board. This also work both ways as the numbers above where you would be under pressure as an individual might make it a reasonable option as a joint application.

Luckily where I am right now is a 4 bedroom, short walk into town in a large county town with good links to the cities train,bus etc.
It sounds like you would be happy to stay where you are and it would be suitable for your needs but there may be things you would like or need to change. As an example, our 2nd child was the reason we converted the attic for a 5th bedroom/office. We both have hybrid work arrangements which were manageable when we had our 1st kid. But once the 2nd came along, that was 3 bedrooms occupied with the 4th as a spare room/office.

Neither of us wanted the 2nd desk to go into our own bedroom (mental seperation from work, not being in the one room all day/night) so we converted the attic to a dedicated office space which works well. We did this all while my spouse was on an extended unpaid materinity leave so that it was ready before she returned to work.

The above is not to say you have to do similar, more that it is not just about accumulating as much as possible. It is also about using your wealth and/or your income to improve your quality of life.
 
I think you stated that the time horizon for early retirement you have in mind is 50? I'm ten years ahead of you but was also in the same headspace when I was in my late 20s.

At that stage I was renting but I'd say my pension was bigger than yours by roughly the value of the equity you've built up in the house (can't remember exactly, you may possibly be ahead in net worth terms at this stage). I was making similar money, and at some time around then got a promotion about in line with what you're expecting to get.

Fast forward to today and I am married with two small kids, bought & sold one house and subsequently bought a family home where I'm living now. In my estimation I'm well on track to be able to retire (or at least drastically reduce income) in my early 50s. I got to this position by maxing pension contributions and gradually increasing my income (substantially in the end).

I would suggest that you don't need to do anything particularly novel to achieve your goal. You are in quite a good position and are doing the right things. If you concentrate on clearing the mortgage and maxing your pension contributions you will be in a very strong position in ten years. I believe you can currently put 15% of your gross into your pension tax free? Does your employer make any contribution? Assuming you add €875 a month for the next 10 years you may be sitting somewhere around €270k, if your employer is adding say 4% then it would be €300k+ (see here). In 20 years that may have grown to something like €800k. This assumes you don't increase your contribution to 20%/25% when you turn 30/40 (you should), and assumes no growth in income. If you work your way up to €100k PA income these numbers will be larger.

Your costs will grow if kids come into the equation (they're worth it), but your income should grow too. You should also bear in mind that you probably won't want to cash in the pension at 50, and should consider ways you might bridge the gap to, say, 60 while allowing that large pension pot to accumulate to an even bigger number.

You can use this site - https://www.drcalculator.com/mortgage/ - to analyse the impact of additional payments to clearing the mortgage. Your current €67 overpayment reduces the term by ~2.5 years so you're still looking at almost 20 years to pay off the house. If you were somehow able to knock €50k off the principal when your fixed term ends that would come down to 11 years (assuming same interest rate), so you would be looking at a situation where your house is cleared off when you are 40. Knocking 25k off the balance would still get you down to 15 year repayment horizon. If you can manage that while maxing the pension you will be in great shape. This may be something to look at after the next fixed term comes to an end, rather than the current one, as someone in your position should prioritise having plenty of cash available over the next couple of years for reasons mentioned below.

As someone who dabbles in gambling you might be aware of the poker concept of 'FPS' (fancy play syndrome). There's no need to three-bet bluff on the river with top pair top kicker, just call and rake in the pot. This is possibly the situation you are in where you are looking for thin edges that you don't really need. Buying another property, EIIS schemes, buying land for solar leases etc - I don't think any of this is required for your goals and has a pretty big chance of damaging them.

Max your pension, set the extra aside and build up as much as you can to lop off the mortgage in 18 months' time, then see about what overpayments you can do to clear the mortgage as early as is financially comfortable while bearing in mind that there's a great chance you will want to have access to ready funds for things like marriage, kids, home improvements etc. Your income is not sufficiently high to ride things like this out if you've dumped all your excess into illiquid assets in an attempt to 'optimise'.

FWIW, I have a Money Makeover thread I posted when I was a few years older than you in which time I had gone from your position to having sold the first house, had the first kid, was thinking about a wedding and buying the current house. It might be of interest in seeing what the next few years might hold for you. I updated it recently with details from this year, so again may be of interest as a case study of where things may move for you in the next ten years.
 
I’m pretty sure this is the thread referenced by @wherefore -

Incidentally, I strongly agree with the advice above - maximise your tax-relieved pension contributions and, if there’s anything left over, pay down your mortgage ahead of schedule, while keeping a reasonable level of liquidity on hand.

Simplicity is the ultimate sophistication- there’s no need to look for “thin edges” (I’m stealing that phrase!).
 
A long term partner is mentioned. Should the relationship for want of a better word progress.
This area would need to be addressed as it may very well have the biggest impact on your future financials.
 
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