If you have taken a mortgage on your house, it works in your interest to repay the loan back as soon as possible. This is because a large chunk of the amount you pay per month towards the repayment of the loan is the interest charged on the mortgage. When you pay back the loan before time, you stand to save a lot of the money that you would have otherwise paid as interest towards the loan.
One of the options you have is to accumulate money and pre-pay the loan in one shot. When you do this, you only need to pay the outstanding capital on your loan at the time of pre-payment and most of the interest on it is waived off. You would not only save a lot of money, but you would also have the excess cash in hand every month that you would have otherwise used as repayment of the loan.
If making a large pre-payment is not an option, consider increasing the amount you pay per month. This will reduce the tenure of your loan and also the interest charged on the overall loan amount. If increasing the repayment amount of the loan is not an option, consider increasing the frequency of repayment. If you choose a weekly option, for instance, the amount to be paid per week will be very low and manageable, but you will be able to complete repaying the loan faster and save a lot of money on the interest.
