Moving House - Mortgage advice/suggestions wanted

HxBro

I'm after some initial advice, I know I need to talk to the bank and/or a mortgage advisor, but I'm after some inital thoughts to give me some ideas before I do talk to them.

We currently have a 5 year fixed mortgage at 6.19% with the halifax, outstanding balance is currently 139.5k. We have 42 months left on the fixed rate, and we have an early repayment charge of 5759.96 till aug 2010, where it drops to 4319.97.

I guestimate our house is currently worth 160-165k, at worst I'd say 155k, going off a sale in december for a similar house (features are less desirable, e.g. garage not attached, and we are semi, they were terraced).

We may need to move house within the next few months as the other half may change jobs. We are looking to proabably upgrade from 3 bed to 4 bed, and looking at the house prices in the possible area, they are around 200k.

So, with this in mind, we would need a new mortgage of approx 180k.

Salary wise, the other half is on approx 37k full time employee, I'm on approx 16k part time self employed. Debt wise we have a few debts: the credit cards get paid off every month; and 2 cars, totalling approx £270/month (for the next 3-4 years).

We got the initial mortgage as a first time buyer, and we had larger debts then (other half had a £500/month loan repayment which has now gone).

I'm looking for advice/suggestions on what are options would be, e.g. should we stick with the halifax and ask for a larger mortgage, should we switch as this would give us a better rate? Are there other options to consider ?

Thanks