Starting new job with significant salary bump, I want to make sure I do things right

This sub is teaching me so much I figured I’d double check how to approach this

I’ll be starting a new job soon on £220k.

Pension contribution is 5% matched with 5%.

As I understand I’m now too far for the salary sacrifice into pension to really make sense? Or should I still sacrifice my max pension contribution (£60k?) - I’m mid-thirties, current pension is around £70-80k (I’m now combining them all, and I unfortunately didn’t contribute every year)

I’d rather have the money now I feel, but I can sacrifice it if it makes a significant difference tax-wise

We’ll fill up the ISAs every year as usual (me and the wife), and for the rest everyone seems to go for Gilts or premium bonds? (They might be the same, I’m still learning)

We own our home, not currently overpaying the mortgage but maybe we should - we have 3 years left in our fix at 2.7%, so we’ll see what happens with that when the time comes.

No kids yet but we’re trying, so we’ll probably have one in the next year (fingers crossed)

Thoughts or advice?