A few quick questions:-
1. What is your mortgage rate and could you move to a lower rate if you brought the LTV below 80%?
2. Do you have to make any contribution to get the 10% employer match and, if so, how much?
3. Does your wife's employer provide a matching pension contribution and, if so, how much? Would she have to make a contribution to get this match?
4. When you say you have no savings do you mean you are currently just living pay cheque to pay cheque? Is there a danger you could slip into expensive personal debt if anything unexpected cropped up?