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Break-even read
0 months
Waiting for a remortgage read.
What this means
Compare the break-even point with the deal length, not just the monthly saving. A cheaper rate is not automatically a better decision if the switch costs eat most of the benefit.
Professional read
The repayment term and balance stay the same under both options so the comparison is rate-and-fee focused.
Comparing only the monthly payment and ignoring arrangement fees, cashback, legal costs and ERCs.
Once break-even looks acceptable, compare the lender features that matter next: overpayment allowance, portability and future ERC structure.
Tracker deals, fee-added-to-loan cases, or major planned overpayments need a more customised comparison than this first-pass tool.
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