Switching mortgages with existing lender?

plzhelpmesave!

Hi after some advice plese

We're with West Brom and still have 2 years left of a 10 year fix ..went into it a few months before the rates plummeted!

ERC applied for another 2 years and comes to £3800, and have £95k to pay on the mortgage - have £60-70 equity in the house so LTV is around 60%.

Anyone know if we'd be able to just switch products with them (and paying the ERC) or do we have to go through the whole remortgaging process? The fees mean it wouldn't save us any money. Jus did a quick calculation on Ditch Your Fix and ditching would save us over £250 a month.

OR could DH 'sell' the house to me? Mortgage and house is in his name only - he's self employed and I'm on a wage that cover the mortgage on my own.
Would it make sense for me to buy the house from him and become the mortgage holder and look at a new rate?

Having paid off most of our CCs and debt since I've been FT employed, we're really need to pay attention to the mortgage - pretty sure we're paying too much and could get it cheaper.

Any thoughts or advice would be really appreciated please.
Thanks so much in advance

Thrugelmir

Exiting the mortgage may well not be viable. Are you allowed to overpay the mortgage. That's something to consider. As at least you could reduce the amount of interest you are pay over the next 2 years.

Though you say you've other debt. So maybe worth clearing this first.

plzhelpmesave!

Thanks Thrugelmir.
We're on a high fixed rate and can overpay. Paying £700 a month at the moment so could overpay a bit.
Was thinking if we changed to a lower rate, we'd keep the payment the same as the actual repayment mortgage would be around £500 so would be making a £200 OP every month.