my mate is doing the same as you mate on the same figures aswell. he is just sticking with them a riding out the term.

Best bet is to look at all the options, and if need be, maybe look at spreading the additional amount over a longer term - 35 years on a fixed for the time left on the large amount. Then, at the of this term (3 year?) then switch for the whole lot onto one rate.

I know that making it over 35 years seems odd, but it may lower your costs for the next couple of years making it affordable until you can take out one deal.

Just an idea.