Many financial planners agree that salary sacrificing is an excellent way to save and avoid paying high levels of tax, at least on some of your income, but is it really better than paying down your mortgage? Financial planning advice usually offers many ways to save money and reduce your costs; but whether this is one of them will depend on your specific circumstances.
For instance, if you are in a very high tax bracket, it can certainly pay you to salary sacrifice, especially if having done that, your income is then in a lower tax bracket level. But it is not always the best thing to do as far as making the most of your dollars goes. It absolutely depends on your individual circumstances, which is why it is best to consult with a financial advisor; one who works independently of any company such as a bank.