What Mortgage product at the end?

Can anyone provide advice on what mortgage product they're considering changing to or would change to when they're coming to the of their mortgage?

Important to me is to be able to overpay without limits if possible, i'm comfortable with £20K extra a year, no ERC and no exit fees. If the product is only 10% overpayment a year then I am conscious I would be penalised, as I could pay more off mortgage and have ERC's to deal with which I do not want.

Ideas appreciated :)
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