remortgaging half way through a fixed rate?

Spangled

Although most people on this thread are saying your property has dropped in value, FWIW I bought my place in Feb 2006 and am just about to sell it for around 20% more (exchanging next week). Of course, it depends greatly on a whole host of factors, including the region you live in, property type, neighbourhood etc.

If you'd bought at the end of 2007 — widely agreed to be the peak of the market — then I'd say yes you're almost definitely on a loss.

But 3+ years is a good time to have built up some price growth within the current house price cycle.

Just my opinion, of course!

Check https://www.zoopla.co.uk for an online estimate of your property's value.