You want to start a family soon? You will need cash.
Unless of course you want to work all day to pay the enormous childcare bills.
Two words: Offset account.
Seconded. I'd work hard to make the offset account match the size of the mortgage. You will then be free of interest payments, but still have a huge emergency stash available. Of source, this will require discipline to make sure you don't touch it to buy a new car, go on an expensive holiday etc etc.
It's worked really well for me, but I see others with less discipline constantly raiding the piggy bank.