Another Fix vs Tracker Weighing Up The Options Question

mjstokes85

I know the forum is totally flooded with these but I just wanted some opinions on my personal situation. Current 5 year fix ends end of March, currently on 2.15%, pay £390.09 a month, have just over 70k left to pay, our LTV is around 38.2%. Girlfriend has gone self employed within last 2 years so we can only use Accord to do a product transfer as no other lender will touch us on my wage alone which to an extent makes things simpler. I have attached a picture of all the options excluding any with fees as I don't think they are worth it. I am leaning towards the 2 year tracker at 0.39 over the base rate, however the 5 year fix looks tempting too, I'd just rather look again at our options when my partner has 2 years worth of books from being self employed. It's a tough one as I don't normally like to gamble with things like this, but I read the general consensus is the base rate will drop a little after it peaks and any saving made on the fix while the rate is slightly higher will be wiped out if and when the rate drops a little. I also have about 5k I can afford to pay off in a lump sum but my broker said it isn't worth doing that? What are peoples thoughts on these deals and advice? The tracker has a 1% early repayment charge and the fix has a 5% early repayment charge dropping 1% each year. The higher costing fixes on the list enable 50% overpayment (which is not an option at all anyway) so it's only really the top 2 deals on this list I think are worth it, unless anyone else thinks otherwise.
Thanks.