Re-mortgage advise

[SB1971]

So when our fixed deal comes to an end in June we will have a small amount left of just under £20k.
We want to put another £5k against it and then am not sure what to do. I don't really want to fix as we may decide half way through a 2 year period for example that we will pay it off completely. So should we just go for a lifetime tracker and then we can pay off with no penalties even though that is generally a higher % interest rate.
I feel like we are debating about very small amounts of £ but I don't like throwing £ away needlessly.
We have always had fixed deals so am kind of flummoxed as to what to do .
Thanks in advance for any ideas

A tracker sounds like a good solution. The rate difference is likely to be negligible given the small amount being borrowed, and you have max flexibility.

another solution is a fixed deal, and you just don’t pay it off early. Keep any additional money in a savings account until the rate is up.

you may not be able to get a new mortgage for such a small amount however, you may need to check available options with your current lender.