if you are unsure, play it safe and payoff what you owe.
shares might not be a great bet at the moment, most of them that is.
bird in the hand and all that.
of course, tax works against you on this,
max out your avc's if you can, and your partners,
and if you don't need the money fro a while, and don't want to buy shares, stick it into a fixed term account. you'l get 6% odd percent, more the longer you lock in.
Your mortage is costing you aprox 4.5%...your going to make a few quid...
feeling like a flutter buy into energy and recession proof industires like food/fuel/agri/pharma...and maybe healthcare...we are living longer, nursing home stock is worth some attention.