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@Greenbank
Mortgage up for renewal in Sep 2023, but they (Santander) usually start to offer deals 3 months earlier.
4.5% would add ~£400 to my monthly mortgage payment, but given this is the last 5 years of my mortgage I'd probably take a fixed at that rate just to have the certainty of not getting fucked over by any chance of 10%+ rates in those 5 years.
I should probably look to do something else anyway my current mortgage is an interest-only mortgage which makes paying it back difficult as you can only repay 10% of the outstanding capital at the start of each calendar year (and therefore you can't pay back all 100% within 5 years) so I'd have to lump the excess money elsewhere and then pay it off at the end of the mortgage term.
Some kind of fixed-offset mortgage would be best, not sure if they exist. *googles*
https://www.ybs.co.uk/mortgages/offset-mortgages looks ok (except for the 5.44% rate). If I remortgage on a 10 year term we can aim to put more in the offset account each month to try and get it paid down within 5 years or shortly after that.