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My mortgage is with EBS at 3% fixed and will be up in June.I owe 70000 with 106 months remaining. The house would be worth about 185000. I intend paying a lump sum off it of 20000. Could anyone advise me if it is worthwhile moving my mortgage and to where. When I put in the figures on the online calculators I don't seem to save a lot. Any help appreciated.