Save or pay Early Repayment Charge

I'm releasing equity from my BTLs to pay off my residential mortgage which has an ERC till Apr 2022 of 5% of 174K.  My broker said time was running out so get the equity 174K now to be able to pay off my home.
Should I save the released amount (less the amount I am allowed to pay each year free ) or should I just pay it all off at once? Other? Thanks 

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