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If you would like to speak with a Financial Adviser in Spain, I am experienced, qualified and legally able to discuss your financial matters. It’s important to take everything into consideration and consult a professional. But everyone’s financial situation is different. Do you have any plans to travel which you will need the money for? Or a wedding? Furthermore, how long do you think you will be in your home for? If you are considering moving to another place in the near future, it does not make sense to pay off your mortgage (and potentially paying a penalty).īoth options can be seen as very smart financial decisions, depending on your personal circumstances. For example, do you have an emergency fund in place to cover you in case of any unexpected surprises? Furthermore, take your life situation and goals into account. However, have you considered the interest rate you have on your mortgage? Is this favourable when compared to other options? And furthermore, have you looked in to the potential early redemption penalties?īefore making a decision, it’s important to do a full-scale financial review (ideally with a financial adviser). Certainly, in the early years of your mortgage, if you are paying mainly interest on your monthly mortgage payments, then this may be the best option for you. This may be able to save you thousands in the long-run and reduce your monthly outgoings, which could be a solid financial decision.

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It can be very enticing to pay off your mortgage early and being debt free whilst owning your home outright. What exactly are you looking to achieve?.

Do you have an emergency fund in place?.

There are many variables to take into consideration here such as:

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The first step is to evaluate your personal financial situation with a professional financial adviser if possible. However, will you be better off this way or by doing something else with that money/investing those funds? Which option will provide the better return on investment and generate long term wealth for you? From a psychological perspective, in a way it makes sense making clearing your debts a priority.

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Whether you’ve received a pay rise or you’re just planning for the future in general, it can be a challenge deciding how to employ use your hard-earned cash. One of the more common and difficult questions to answer for clients, more because emotionally people like to pay off their debts and specifically their mortgage (its most likely the biggest debt you will have in your lifetime, if you exclude children!) is ‘Is it better to pay off my mortgage early or save for retirement?’ Well, I am very analytical, which is great being a financial adviser, so I need facts to make decisions and to look forward for clients planning.