looking at our PPR, are considering overpaying the mortgage here. 2.9% fixed matures in May and BOI only offering the same again fixed or 3.9VAR.
It shows how much the mortgage market has changed that the tracker of 1.7% isn't that valuable any more!
If you fix again at 2.9%, you'll have an effective rate of 2.37%.
That rate gets lower if you pay a lump sum off the non-tracker portion out of your savings. Do you need a 70k emergency fund?
If you pay a lump sum of 40k, the rate drops to 2.3%. You maintain the option to overpay as much as you want - if there's a break fee to repay the fixed portion, then just pay it off the variable portion!
If you want to make regular overpayments against the fixed element, without a break fee, just shorten the term. But that's a contractual change.
But you'd get an overall cheaper rate by switching lenders.
I think pension is on track with present forecasts showing a value of €1.5-1.7M by age 60
There's something wrong with your projections. If you've currently got 825k, adding 55k per annum, and a growth of just 3% per annum you're going to hit 2m threshold at 60.
Double check the figures, especially the employer contribution. Is it really 22% of entire salary?
Apart from that, I would suggest that you would benefit from some tax planning advice. Who's name is the rental income in?
You could end up not using your tax bands efficiently in retirement, so any investment income subject to income tax should be directed to spouse to use their lower rate band and credits.