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@helping If you're going to pay it off anyway then just do it. I did the same last week, I'd have mine paid off in around 18 months but just threw a lump sum at it, should be about £1000 better off than if I just let it come out my salary

@anotherklutz Has your house not gone up in value? If your house has gone up to 200k (not unrealistic over the past 4 years), you could be looking at 65% LTV and better rates