O_G, I still had a mortgage when I retired. My issue was that I remortgaged a few years ago, and all the bank were interested in was that the lump sump on my pension would be adequate to cover any capital remaining unpaid. They never checked again, and tbh as long as your OH continues to pay the instalments and they see she's managing it responsibly within her budget, they won't care, they want to keep the business.
Yes ladybirder - it's the catz wot benefit from the discount day, not me - but on that tack, O_G, don't forget that you and your lady will be entitled to free prescriptions when you retire, that saves about eight quid every time you need a script.