Looking for Advice

Been readig posts on here for a while but this is my first post, i am looking for a bit of advise.

We have a fixed rate mortgage, 5.19% fixed until 2017 which allows 5% overpayment each year. At present our mortgage is £107,000 and we overpay £300 each month. If we pay more than the 5% or move our mortgage we are charged £6000. We have around £30,000 in savings. My question is would we be better off paying our savings into the mortgage which would mean an additional £6000 to pay or are we better to just pay the 5% each year and keep our savings.
Not sure what to do for the best.



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