£££- Is it worth having any savings? -£££

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I'm currently paying an extra grand a month off my mortgage, should be paid off in 2 years.
My best mate is overpaying his as well although he is doing it to the point where he is skint all the time. I wouldn't do it if it meant sacrificing my lifestyle.
Have a few shares and bits and pieces of money knocking about but not much in the way of savings.
 


Ideally I'm looking for a flexible one that allows me to offset the money I have in an ISA. Not sure how common this is.
 
Ideally I'm looking for a flexible one that allows me to offset the money I have in an ISA. Not sure how common this is.

I think most of the 'combined' accounts mortgages will use the same rate, i.e. mortgage at 4% and savings at 4% and not sure you can combine with an ISA.
 
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