10yrs?

Hi
My mortgage is up for renewal in 49 days.

This is what Halifax has come back with. It’s an £85k sub account that’s about to expire, the rest is due for renewal in 2030 and is set at 4.37%.

We owe £168k and LTV has just hit 40% this week when Halifax updated house price index.

I know nothing about any of this unfortunately, but that 10yrs with higher payment is £10k less going back to Halifax.

Any advice please? And I’m really sorry about the long post :)

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2yr Fixed | 4.70% | £951/mo | £320,073 total | £999 added to loan

2yr Fixed | 4.70% | £945/mo | £319,093 total | £999 upfront

2yr Tracker | 4.40% (BoE+0.65%) | £933/mo | £317,432 total | No fee

5yr Fixed | 4.95% | £956/mo | £312,650 total | No fee

5yr Fixed | 4.74% | £953/mo | £313,537 total | £999 added to loan

5yr Fixed | 4.74% | £947/mo | £312,641 total | £999 upfront

10yr Fixed | 5.49% | £980/mo | £308,797 total | No fee