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Hard Q to answer as depends on many factors. Job security and how long you plan to live there would be first obvious ones. NE becomes a problem if you require to sell whilst still being in NE, you could work out how long this might be based on repayments and see how onerous over paying your mortgage could be? Or sack it off and start again.
Tenderloin
I'm in this exact position and we were already paying 30k above the bank valuation. What to do??
Edit - sorry, to clarify, the position @Señor_Bear noted.