Mortgage reaching fixed rate end - help and calculations

bazzbear

This is made a bit more complicated because our bank were weird when we moved house. Our current mortgage at the time was in a fixed rate period, and they wouldn't let us either pay it off without the early repayment charge, or add the extra we needed to borrow for the new house to is. This means we now have two mortgages, both on fixed rates, but with the fixed rates running out at different times. The first one is due to run out at the end of next month so Natwest have sent us an invitation to decide where to go with it, and I've just got off the phone with the retention team.

First question, can anyone give us an estimate of replayments from rates?
Here's the details:
£42,134 owed on this mortgage, 23 years and 8 months remaining on term. Currently fixed at 5.35% and repayment is approx £260.
The woman on the phone referred to 3 different 2yr fixed rates they could supply, but only worked out the repayments on two of them.

1) 6.09%, charge of £495 (added to mortgage) £284 repayment
2) 5.85%, charge of £995 (added to mortgage) £282 repayment
3) 7.09%, no charge... can anyone tell me what the repayment would be approx?

The second thing is that I'm a bit disappointed that this year they appear to be happy to charge us for taking out a 'new' mortgage, despite the fact that it's not new. It's still the same mortgage with them, it's just the fixes rate has ended and they've invited us to renew it. I'm sure they've never charged us for this before. So, since there now seems no benefit to staying with Natwest, I'm considering moving the mortgage to another lender, and trying to take advantage of new customer offers they may have. Anyone know of any good deals on the market? Or should I be trying to get hold of a financial advisor?

Thanks for any advice, I'm not very good at these things.

We're also hoping to pay off a lump sum (only £1000 or so) but really wanted this to reduce the term rather than the repayments. Apparently this is horribly complicated though, I kept being asked how long I wanted to reduce the term to, but I don't know that do I? It depends how much difference the overpayment makes!
Any advice on this? Would I find it easier to get through to them if I decided on a repayment figure I was happy with and went to them with that asking them to set the term accordingly?