We are 5yrs into a 10yr fixed rate of 6.09. Mortgage has 27 years remaining, our house is worth approx 145000 & we owe 93800 but have to pay 4600 early repayment charge. What I'm trying to work out that with the current low rates is it worth us trying to come out of this rate. We would have to add on the 4600 to our mortgage. Thanks