I'm unsure on this issue, especially if one has a mortage with a reasonably low fixed intrest.

Upsides in paying off early:

- Freedom - problems in banking industry cannot effect you. There is a clause in the mortage that bank can denounce the contract in a liquity crisis and demand full payment almost immidiately.

- In a possible personal financial troubles, the less loan you have, the easier it is to make moves.

Upsides in keeping high loan value.

- Inflation inevitably eats the real world value of your loan, so it gets easier to pay off over time.

-In the short run you will have more money to use or stack sats with.