Interest rates in the UK are expected to fall to around 3% by the end of 2026. For high earners with mortgages, this shift raises a common question: is it better to overpay the mortgage or invest the difference? With mortgage rates coming down and stock market uncertainty still present, deciding where to put your extra money can feel tricky. I want to share some insights and practical considerations to help you make a clearer choice. UK suburban house with mortgage sign Under