Originally Posted by Christian and Beccy

For the amount of money you're saving, surely you/she can be arsed? I'm hoping to be able to over-pay our mortgage by at least half of the capital each month as I don't want to still have it hanging over our heads when we are in our 60's.

Why not pay money into a separate account (ISA for example), by standing order and then pay a chunk off the mortgage once a year? That's easy.