Decide Whether to Remortgage Now or Wait

Your deal ends in a few months and the rate noise is doing your head in. Lock in now and risk an early repayment charge, or wait and gamble on where rates land. This prompt lays out remortgaging early, securing a rate ahead of expiry, and waiting, so you stop refreshing rate trackers and make the call on facts.

<context>
Your current mortgage deal ends in [number] months and you are trying to decide whether to lock in a new rate now or wait until your deal expires, given the current interest rate uncertainty.
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<task>
**Step 1: Understand the options**
Explain: remortgaging early (possibly paying an early repayment charge), securing a rate now for when the deal ends, and waiting until expiry before choosing.

**Step 2: Calculate the cost of acting early vs waiting**
If there is an early repayment charge, compare it to the potential saving from securing a lower rate now rather than waiting.

**Step 3: Assess the rate direction risk**
What does current market pricing (swap rates, Bank of England signals) suggest about rate direction over the next three to six months?

**Step 4: Give a recommendation**
Remortgage now / Secure a rate now for later / Wait, with the key reason.
</task>

<output_format>
- A plain-English comparison of the three options
- A worked cost comparison if an early repayment charge applies
- A recommendation with one key reason
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