should we remortgage now or wait?

Last Tuesday our lender emailed: our fixed rate ends in four months. As first-timers at this, we're weighing savings against hassle.

What we're checking

• Projected monthly saving versus remortgaging costs and any early-repayment charge.
• Loan-to-value after recent repayments; a lower band could unlock best remortgage rates.
• Timing: how long does a remortgage take versus our fix end-date.
• Tools: a quick remortgage calculator to model outcomes.

Our evaluation

We compare 'stay' against switch mortgage to new deal, and ask if we should fix or track. Headline savings tempt, but fees and valuation surprises can shrink them. We'll only move if the net benefit over the deal term is clear and the risk fits our budget buffers.