@martinlewismse: UK rates are likely to rise. If you’ve got spare cash should you save or overpay a mortgage? If you do overpay for the big savings ensure it reduces what you owe, not lengthen the term. Far more in 'What’s happening to interest rates? Mortgages, savings & more’ Martin Lewis pod.

Martin Lewis
Martin Lewis
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Region: GB
Friday 25 September 2026 10:40:15 GMT
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proskim
user9313851762458 :
disgusting the younger generation has no chance unbelievable, this country is finished
2026-09-25 11:57:12
98
zodo867
ZoDo86 :
Spare cash.....What's that??
2026-09-25 15:14:44
167
bakes505
bakes505 :
OVER pay?! Christ most people I know are struggling just to pay let alone that 🤣
2026-09-25 11:00:26
114
craig.woodhouse
Craig :
I overpaid by £150 a month and tuck 8 years off our mortgage
2026-09-25 16:38:00
63
vegascafab2
Bobbi :
2.19 fixed for 10 yrs 2022
2026-09-25 12:48:20
39
mattyboy8320
MattyBoy83 :
Martin, if you had 100k cash for the first time, what would you do with it in this day and age 👍🏼
2026-09-25 19:54:10
4
ron_tiktok_2021
ron_tiktok_2021 :
Emergency fund 🥺 I'm struggling to afford a freddo chocolate bar 🥺
2026-09-25 10:49:09
311
marthica.fleming
Marthica Fleming :
Honestly, Martin, this government has squeezed every single penny out of ordinary people. With taxes going up, high interest rates, petrol prices, food prices and the cost of living continuing to rise, where are we supposed to go from here? We’re struggling just to make ends meet, and so many of us simply have no money left. When is enough enough? 😔
2026-09-25 19:50:49
63
witm8_
witm8_ :
‘Spare cash’ 😂😂😂😂😂 as if
2026-09-25 12:14:11
31
cattemmaa
Catherine Emma :
Penalty’s for over paying is insane.
2026-09-26 00:26:32
25
du55hhh
DU55HHH :
Savings are eroding by 3% inflation or whatever the rate is .. that needs to be taken into account surely?
2026-09-27 00:34:38
5
fruit.........0
emilybrown :
Nice to assume I have extra cash 😂😂😂
2026-09-25 14:23:28
52
user1028560885652
user1028560885652 :
My mortgage is 1.66% with 5.5yrs to go😬
2026-09-25 11:30:17
14
chris.walters820
Chris Walters82 :
Sorry but who the f*** has 3-6 months off bill money laying around in cash!!
2026-09-25 12:01:19
11
sshah1976
Shahid SHAH :
Just overpay ur mortgage people!!!!
2026-09-25 18:33:56
10
bonusactionheroes
MattBWilko :
Does it not depend on how much you have to save?
2026-09-25 21:15:57
5
dearymechap
dearymechap :
4.2% 5 year fixed last year👌
2026-09-25 12:21:41
10
therunninghammer
Rob | Dad | therunninghammer⚒️ :
But why are they rising? People have less money than ever before???
2026-09-25 19:08:59
5
joecodez
Joe :
this is why the evil government are capping the cash ISA allowance, because they don't want people saving money and making tax free interest!
2026-09-25 23:56:03
7
frankieathertonwilson
Life of Frankie🤷‍♂️ :
The day I paid off my mortgage was the day I really started to live my life properly 🙌
2026-09-25 12:52:10
28
beardywarrior
BeardyWarrior :
3 to 6 months bill payments emergency fund 🤣🤣🤣🤣🤣🤣🤣
2026-09-25 23:42:51
13
tonypelin0
Tony Pelin :
Most of us are pay-check to pay-check how on earth to keep six months worth of mortgage as an emergency
2026-09-25 16:12:22
13
hayleylea1
Hayley Lea :
Who the hell has got the money extra to over pay their mortgage or to save 😅
2026-09-25 21:59:34
6
crazedmuff1n
Matt Hill :
lol I have £2.46 in my savings
2026-09-25 14:48:45
19
turv2011
L4uRa L00 🫶🏻 :
Can’t remember the last time I had savings!!! The cost of living is a joke food and bills eat every penny of my wages. We all work for nothing!
2026-09-25 19:26:43
14
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