Enter the current mortgage terms and the new offers. The app computes
the decision thresholds for you: whether switching now makes sense,
which offer is strongest, and at what future rate the answer changes.
Current mortgage
Only known conditions go in here. No future assumptions. No NPV. No
scenario knobs.
Mortgage facts
Set the mortgage you are evaluating now. Save it later and
evaluate the next mortgage separately.
Optional. Leave at 0 if none applies or if unknown for now.
New offers
Add all available rates and fixed periods. The tool will rank
them and compute break-even thresholds.
Decision
The answer first. The table and chart merely justify it.
Awaiting analysis
Run the analysis to see whether switching now is justified.
The output will show the stronger choice today and the exact
rate threshold where the decision flips.
Best action
—
Awaiting analysis
Best offer
—
Awaiting analysis
Break-even at expiry
—
The rate where wait vs switch changes
Months to expiry
—
Derived from the selected date
Offer comparison
All options are compared against waiting and ranked under one
internal, hidden evaluation rule.
Option
Monthly payment
Total cost
Interest
Decision signal
No analysis yet.
Decision threshold chart
Where the lines cross, your decision changes. The app computes the
crossing; you do not need to forecast anything manually.
Break-even thresholds
These are the only future-facing numbers that matter. They are
outputs, not inputs.
No break-even result yet
Add offers and run the analysis.
Saved scenarios
Keep one mortgage per saved scenario. That preserves clarity and
avoids a cluttered dashboard.