After securing £50,000 on BBC Dragon’s Den, fintech founder Jinesh Vohra joins us to discuss a question facing millions of homeowners: should you be paying off your mortgage early?

In this episode, we explore the fundamentals of mortgage overpayments, how interest is front-loaded in the early years of a loan, and whether it makes more sense to reduce debt or focus on long-term investing — particularly in today’s UK interest rate environment.

Jinesh explains how his app, Sprive, helps homeowners chip away at their mortgage using cashback, spare cash automation and smarter refinancing. We also go behind the scenes of Dragon’s Den — what the Dragons look for in a fintech business, and why trust is critical in UK finance.

If you’re thinking about building wealth, managing debt strategically, or balancing mortgage overpayments with long-term investing, this episode will help you think more clearly about your options.

We cover:

• The case for (and against) paying off your mortgage early
• How amortisation works and why early overpayments matter
• Mortgage freedom vs long-term investing
• Financial trust in fintech
• What really happens on Dragon’s Den

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DISCLAIMER

_This video is produced for general informational purposes only. It should not be construed as investment, legal, tax, mortgage or other forms of financial advice. If in any doubt about the themes expressed, consider consulting with a regulated financial professional for your own personal situation. Past performance is no guarantee of future results. Investments can go down as well as up and you may get back less than you started with. Investments are speculative and can be affected by volatility. Never invest more than you can afford to lose. For more information visit ⁠⁠⁠www.fca.org.uk/investsmart⁠. Please note, video captions are auto-generated and may not be 100% accurate._