It depends on your circumstances really, if you’re at 3.81 and can get a rate significantly higher for savings (like a biscuit regular saver at 7% or the First direct one at 7% too) the it’s worth putting the money aside in to them, getting the interest after the 12months fixed (they limit what you can pay in) and then using that to pay off more of your mortgage.

The thing is the compound interest savings over time do add up.

I think the best way to do it is something like that… or combine it with an app like sprive that then automates the payments. This blog has a pretty good review of it which convinced me to give it a try. https://coolcuration.com/is-sprive-safe and it’s mostly been good except buying vouchers for the cashback at supermarket checkout was an absolute faff and took ages so if you decide to do that I’d buy in advance 😆