Sure, why not. Your situation is super relaxed, plenty of equity, good savings rate. Just decide on the cheapest option that lets you sleep well (interest rate lock, repayment). The rest doesn’t matter, you’re not scraping the bottom of the barrel and you won’t have any problems paying it off one way or another. But don’t push the repayment too far out, especially in the first years you’ll gladly use the special repayments for other things, like the garden, a new car or something else.