Lower my LTV rate or lower 4 year fixed mortgage deal

Draved

Hello forumites.

I'm not too good with working out how mortgage rates are worked out so am looking for help please.

I currently have a Halifax mortgage paying 3.14% on a balance of £162k on a house valued at £270k.

I can/want to switch in January and have 8 options. The options for moving to a 60% LTV will mean me needing to pay £7k off the balance which is currently in a 1.05% ISA.
But there are also up to limits which will mean me paying more to get into that band which I can doas well. There are no product fees.
Mortgages up to £149,999

2 years
2.04%
Currently 3.99%
31/01/2018
3.7% APR
£0
0-60%


2 years
2.44%
Currently 3.99%
31/01/2018
3.7% APR
£0
60-75%

4 years
2.64%
Currently 3.99%
31/01/2020
3.5% APR
£0
0-60%


4 years
3.34%
Currently 3.99%
31/01/2020
3.8% APR
£0
60-75%
Or...Mortgages from £150k up
2 years
1.94%
Currently 3.99%
31/01/2018
3.6% APR
£0
0-60%


2 years
2.34%
Currently 3.99%
31/01/2018
3.7% APR
£0
60-75%

4 years
2.54%
Currently 3.99%
31/01/2020
3.5% APR
£0
0-60%


4 years
3.24%
Currently 3.99%
31/01/2020
3.8% APR
£0
60-75%


But which is the best deal?
Thanks in advance to any replies and if anyone has any guidelines so I can work this out for myself in the future that would be appreciated too.

becominganobsessivesaver

I'm in the process of fixing on a 65% ltv with nationwide at 2.59% for 4 years, no fees (I think it may be a 70% max. If I were you I'd shop around a bit and not necessarily stick with Halifax.