Midlife Reset - financial advice needed

R

roadrunnerirl

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Single 47 no dependents

Mortgage outstanding 35k (variable rate but been over paying from the get go 2012. Mortgage term 20 years) . Recalculated in 2019 so current interest rate of 4.05% - repayment 875.53 (including the 400 over payment from the get go)

Savings 5k (rainy day fund) – saving 500 a month in deposit account

Home loan 7k ( plan to pay off by year end).

Work in higher education - Joint Pension Scheme since 2004

No other debts

I am wondering should I fix mortgage or just keep over paying?

What next ?- I know a public service pension is great but that feels like all eggs are in the one basket.
 
The mortgage interest rate is very high.

The mortgage is too small to switch lender.

Could you switch to a better rate with the same bank?
 
Thanks Protocol I have been prioritizing getting mortgage free . I have had a hang up on getting it done from the beginning
I bought a car last year from savings so saving again to build up at a rate of 500 a month
 
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