A friend of mine has just come into some money, and she plans to use it to pay off a portion of her mortgage. The way her plan is set, it won't charge her a fee for doing so at the moment, however I would wonder whether there is anything that could do with the money that could put it to better use? She has inherited £20,000 and owes just over £40,000 on The House that she's in at the moment, as she is a fair way through her mortgage term. She likes the thought that she could either decrease the monthly repayments or finish paying it earlier, so is planning on putting the money to use that way. If it was you, and you had that amount of money, what would you do? Would you want to pay off your mortgage, or would you prefer to do something else with it altogether?