check what the cost of breaking would be now. The sooner you overpay the greater the benefit. Given the low term remaining it can't hurt to see what they say.
It's per calendar year in a normal scenario. For above scenario suggest you ring them and confirm.
I would normally do it this way but just bought a car so need to build back up my emergency fund first (my wife still has her fund so we wouldn't be in trouble).Very good advice.
This should be automatic on any of these questions.
Brendan