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I’d build three exit cases: repay or sell early, keep the mortgage through all five fixed years, and continue beyond the reset. Put every arrangement charge, early-repayment amount and fee-financing cost into the relevant case. One lender may be cheaper over five years but noticeably worse if...

I agree that the full market gap looks aggressive, but I wouldn’t freeze the rent indefinitely just because payment is reliable. That can create a much harder conversation later. A measured increase now, explained as part of a regular review rather than a response to the maintenance list, may be...