Fixed Mortgage-falling Bank of england rates ?

Hello, In June 2007, got a mortgage fixed at 5. 5% rate for 5 years. But the Bank of England is now at 3%. One can suggest what action should I take now? “And” a good idea to eliminate the existing mortgage and Cange tracker / fixed and pay the penalties? Or is it a good idea for me to wait another 3. 5 years 5. 5% interest rate fisso.Potrebbe any body please tell me? “I can see a financial advisor, but first I have some advice from you guys pure.Grazie milleri