@M@rathon The advice you will get on here is very consistent in your situation
1. have a rainy day fund of 3-6 months of expenses in an easy access account. This will be pay close to 0% interest currently
2. determine any major spends you have in the short term - car and house renovations are obvious ones and consider the priority of them
3. Look at your mortgage LTV and your pension pot size. Mortgage LTV is solid, no idea on pension pot? Do you have a gap based on what you would like to be versus where you are? Keep in mind one of you is public sector. Do you need to consider paying some AVC's for 2017 and 2018 (you will get tax back on those as well)
4. The rest use to pay off your mortgage. It gives you a guaranteed after tax rate of around 2.75% roughly depending on who you look to switch to. You will not get the same on deposit anywhere.
On the renovations, what state is the house in? How urgent are they? is it structural (knocking walls) or cosmetic (windows, wiring etc)? The cost of extensions, especially in Dublin, at the moment is rather high !
My personal advice is boost the pension fund and decimate the mortgage before being any more creative. The tax on savings/investments are way too high currently.
And if its a windfall - go take a holiday and enjoy it ! That cruise in the Caribbean is calling as the snow falls outside (ok maybe its hail!!)