No ideas on the mortgage, and any I would have wouldn't be much use anyway., but congratulations on paying of the CC debt. I paid off a loan a few months back and it was fantastic. Now the only debt I have is my uni HECS debt. I wish I had the money back from my Mum and brother (between them they owe me $10 000) so I could get rid of that one as well.
also embarassed to say that we have a larger than intended balance as well, but proud that if i did it once, we can do it again, its a learning process and we will not be weak and declare bankrupcy or anything!