Advise please - Should i ditch current deal?

garlicbread99

Hi All - Hoping someone could help as I'm very unsure what to do.

Current mortgage balance is £118,000 and have 11 years 9 months to go. Im approx half way through a 5 year fix with First Direct at 3.69% and the redemption charge is £2,780.

I have stocks n shares ISA savings of c£32,000 which i pay about £50 into per month. This was originally set up when i was interest only mortgage when i first took it out and I switched to repayment a couple of years ago.

There are obviously better deals out there at the moment and I'm debating whether to ditch my current deal and move elsewhere. Ive always fixed my rate as i like the certainty of knowing my payments won't change but I'm wondering whether to take a tracker/capped?

The savings i have I'm earmarking as a future next egg for kids etc but I'm wondering whether it will pay to convert into paying off some of the mortgage. Any advice on what to do would be really appreciated re ditching deal, different product and savings. Thanks!