To pay off mortgage or not?

Looking to organise finances wisely...

Remaining mortgage is 122K over 12yrs @ fixed rate of 2.1%
Fixed rate is up Sept '26. Unlikely to see such a good interest rate again.
I have other invested money which could stay where it is or could use this to pay off mortgage entirely.

A big aim is to up the pension pot with AVC's. Thinking is, if the mortgage was cleared, I could use that monthly money to make up my shortfall in AVC's.

I would love to be mortgage free but is it the best strategic move.....I feel it may be but would love some thoughts please

Probably worth starting with this key post...

Great, thanks for that....will use that to get started

One potential option to consider, if what you're really trying to get at is shifting more of your wealth into your pension pot, would be to sell off a few €1000s of the investment (presuming it can be sold in parts) each year, while keeping under the CGT threshold, and put that money into your pension.

Because if you sell the investment all at once, you'll likely face a big tax hit.

Dalta! said:

I have other invested money which could stay where it is or could use this to pay off mortgage entirely.

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Where is this money invested and how much is it?
You may want to do a Money Makeover so that people can comment in the context of more comprehensive information about your overall financial/personal circumstances:

gaelic_oc said:

while keeping under the CGT threshold

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It may not be subject to CGT - e.g. if it's a unit linked fund subject to 8 year deemed disposal and exit tax of 41%.