mortgage advise needed please .......

lauranurse

Hi
Sorry i always seem to be writing silly things on here but i am very confused!!! I am looking to sell my flat but have a fixed rate mortage until 2008 and if i make an early repayment there is a £4200 charge. In the future i am looking to rebuy but a property that is cheaper. The property has gain about 18000 since i bought it so i was wondering if it is best just to cut my losses and pay the £4200 early repayment charge. As if i keep my mortgage with the sam bank but reduce the amount i borrow there is still about a £2000 charge + other costs that the bank were goint into earlier. I am very confused dont no what to do with it all. Any advise would be very helpful. I can explain a bit better if you dont know wat i mean