Should I Remortgage With Different Lender

*cassius*

Hi, I'm currently coming to the end of my Fixed Rate 3.19 2 Year Halifax Mortgage. House was purchased in Augist 2013 for £212000.00 and a 20% deposit was put down. Current Monthly Mortgage Amount is £825.00. I have overpaid £10000.00 of mortgage by paying 600.00 extra for the majority of the months I've had this deal which has brought down the mortgage amount to £155000 at the moment and looking to get this to £150000.00 by the time August arrives.

Looking at current Halifax Mortgage Rates if the mortgage amount goes below £150000.00 the best remortgage rate i can get is 3.59% based on the LTV being on 70%, (i am not relying that the house has increased in much value during this short time period) This would be a 4 year fix deal.

If i add the current ERC fees at the moment which will be around £4500.

My partner moved in with me and pays rent and bills which amount to the £600 i have been overpaying the mortgage with. Partner has poor credit history and although earning more than me would never be considered at this moment in time and would take 5 years or more for her credit rating to look remotely acceptable to a lender.

Is it worth looking around or just taking the slight increase in mortgage payment for the next 4 years and would hopefully be in the better 60% LTV bracket which is where the better deals seem to be placed as at the moment all i can see is an approx £100 difference to my current payments compared to switching to halifax and saving the remortgage fees.

Any help greatly appreciated