Switching deal

Sncjw

Hi 

So our deal ends in April and irs the first time I am switching a deal so I apologise for the questions. 

Mortgage remaining :£58,405.78 with 14 years and 8 months left.

We currently pay £396 on a 2.44 percent rate and was on 5 year fix. 

I have had a look and the cheapest deal I can see with my provider is a 5 year fix at £447 a month at 4.26%. 

We did overpay at one point for a few months which brought the term down from whay it would have been.  I can see i can increase the term and it will bring the price down. We are hoping to start overpaying again when we have paid the credit cards off we have which will be sometime in the summer..

Is it it worth increasing the term to get a lower payment now and then overpay when we have the funds to do so..

Or should I just stick with the current term. 

Also if I were to select a deal now and I see a better rate when the bank of England announces their next interest rate change can I switch to that as its before the end of my current deal. 

I know £50 increase isn't as much as what others have had as I've seen people say their mortgage doubled but I still want to best for us. We are not moving house and likely to be staying where we are. We don't want to hassle of switching providers as our current one has been good to us. 

Thank you