Can you switch to a better mortgage rate?
Will the 6500 only be relieved at the lower tax rate? If so, I think this is a bit less clear.
Would your wife expect to be paying tax at the higher rate when she is drawing down her pension. (this could be from pension alone, but could be from property, other pensions, investments etc.,)?
What fund would you be putting the 6.5k into, and what are the pension costs?
Assuming your mortgage is not very high, then I'd go with the pension payment. I think your figures are off. I think your number after taxes will be lower than what you quoted?
Existing prsa might have some passive fund hidden among the choices?
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