Re mortgage advice

pg99

Hi I'm after some advice from you good people please !
I'm in a fixed 3 year first direct mortgage till October 2016 (rate 4.19) paying £800 a month repayment with a £200 overpayment. I realise this rate is very high in comparison now.
First direct have quoted me £2500 to come out of this.

My house is worth £185,000 I owe £142,000 with 22 years left. I'm in a position to pay up to £1600 a month. What do you suggest my best options are in paying off my mortgage as quickly as possible as with some of these 2.7% rates available show I can pay off in 8 years.

Also I have 6k on a 0% credit card till October and I have the cash to pay it off. Should I pay it off or pay it off my mortgage and move to another credit card ?

Thanks