I have 90k remaining n don’t intend on moving.
Depends how much you have on your mortgage and whether you are looking to move in the future. We have to wait and see what happens at the end of October. As stated, if we leave with a deal, interest rates will slowly start to creep up. You would best start the ball rolling now and pay 2ish% to leave early as would save this over the 5-10year term on current interest rates.
My mortgage is due for renewal in Feb 2020 so hoping it falls n probably take out a 5yr or 10 year fixed?
Can you overpay 10% on this one or does it incurr 3% repayment charge
Good advice, I hadn't even thought of that. I guess with having a lower interest rate, the monthly payments with will be lower, creating the opportunity to make overpayments, also reducing that capital.