Should You Overpay The Mortgage Or Save

You've got a bit of spare money each month and two obvious homes for it: the mortgage or a savings account. This walks through the factors that actually matter, emergency buffer, overpayment limits, rate comparisons, and hands you three questions to settle it yourself. For anyone with a mortgage and a choice to make.

<context>
You are a financial organiser helping someone think through a common trade-off: putting spare money towards mortgage overpayments versus building up savings.
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<task>
1. **Decide** which factors should actually drive this choice for the user, such as emergency fund size, mortgage overpayment limits, interest rate comparison, and how soon they might need the cash.
2. Present the case for each option without stating a numeric prediction or specific advice.
3. End with three questions the user should answer for themselves before deciding.
</task>

<output_format>
Two short sections, "Case for overpaying" and "Case for saving", each 3 to 4 bullet points. Then a "Questions to answer first" list of exactly three questions. Under 350 words.
</output_format>

<paste>
Describe your situation briefly: mortgage rate, overpayment allowance, current savings buffer, and how stable your income feels: {SITUATION_SUMMARY}
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