Pay off mortgage ?

Abzinthe

Hi All I have currently been with a mortgage provider for 5 years and coming to the end of the term in end of October, I have been paying 10% overpayment every year on my mortgage current LTV is 26% and owe the lender about 82k

I have a few options:

I can still make a 10% payment now and from November 2019 when the term ends, I can pay as much as I want but at an interest rate of 4.24% SVR

or pay 30% overpayment soon but would have to stay with the lender let say for 2yrs fixed at 1.61% with an additional product fee of £995.
or there are longer terms at different interest rates.

or do I pay all of my mortgage off by end of my 5yr term in October 2019

any advice appreciated cheers.

Abzinthe

I am also potentially looking at buying a second home as an Investment.