Help with Payment Costs

PRINCESSKERRY

Hello

I wondered if anyone could help me I have a mortgage with NR fixed for 5 years we have just under 3 years to go, fixed at 5.35%.
My query is we were previously on a fixed rate but when the rate ended we went onto standard variable rate and were fixed on that for another two years.
I spoke to OH about this and as he was a first time buyer at the time that was the best mortgage they could offer him. Anyway I spoke to NR and asked to be put on a fixed rate, I had to pay over £2000 (added to our mortgage) as well as some other fees roughly £600 and in return they gave us a help with payment costs which almost offset this amount £1900.
Anyway we have now put our house on the market and I believe that NR will probably not lend us the amount we need for our new home. We have a 25% deposit now from equity in our home. So I feel that paying NR off may be the best way to go, a mortgage a friend has advised me she thought that help with repayment charges weren't payable after three years.
Does anyone know if this is the case, at present my fees would be £1900 and another £1900 for leaving my mortgage early and whatever they would charge me to end my mortgage probably a further £600.
Any opinions would be grateful, my sister is a customer advisor for a bank so we know we can get another mortgage and likewise a mortgage advisor has offered us various products.
At the time there was no point proceeding as our house has not sold as quickly as we wanted and with the slowdown with the market our mortgage offer may not be available when we come to need it.

Gloster_Advise

Princesskerry,

HLC (help with costs), dependant on when exctly the mortgage advanced had a tie in of 3 years. If you are on a fixed rate now what is the rate? The costs of coming away from them may not benefit you changing lender at all unless you are able to secure a very very low rate mortgage.