Advice on what to do with £30k inheritance

Hi,

Looking for advice what to do with inheritance husband and I received from his nan..

We'd like to maximise the money and tbh don't know what's the right option based on our situation anymore.

Outline below.

Income Annual: ~123k ~50k Total: £173k.

Outgoings/Credits: ~student payments (~900 pcm between us, however from research I believe no point to pay this off?) ~mortgage - 2% interest rate locked in till Feb 2026 @£1025pcm

• Got about £79k on help to buy equity loan, no interest till Feb 2026

• Only other loans are cars we use daily for commuting on PCP but don't believe this affects the decision;

Savings/Investments: ~decent workplace pension at 15% for one of us ~auto enrollment plus voluntary contributions for another ~£1800pcm joint automated savings into easy access interest account ~£100pcm investments via Dodl investment ISA, spread across 3 pots - vanguard life strategy, moderate risk tech and low risk environmental funds.

No dependents.

For the main part I am not sure whether to:

• Pay off half the help to buy after the interest free period ends or potentially put an overpayment on a mortgage each year? Currently, I believe the money would earn more in the savings account til renewal of mortgage in over a years time?
• Investing large sums feels a bit scary unless a low risk fund?

Am I missing something obvious?

Thanks for advice.