£28,000, should i put it towards my current mortgage balance ?

flyfto

hi sorry about lack of info when originally posting,
to confirm i have 28,000 and am unsure what to do with it as above

my mortgage balance is £92000
valuation of house 3 years ago £98000
am on fixed rate of 6.34% until jan 2012
with goto rate of 3.74% above base rate
i am allowed to overpay 10% of balance once a year without ERC

is an offset mortgage a possible solution
i hope you can help me with this updated info

Stalkdog

valuation of house 3 years ago £98000

Probably worth getting a couple of up to date valuations so you know where you stand, given the fact that the market has changed

flyfto

Think it makes sense getting valuations !
But how do I do this ? Just valuation from estate agents ?
Or is there a way of gettin a more accurate valuation other than paying for one ?