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@Greenbank
Especially as the time and mental energy required to do all of the admin required is not insignificant.
Last time I worked it out faffing around with all of it myself was looking like it could save me about ~£4k over the remaining life of the mortgage. Sounds a lot, but that's spread out over ~8 years in my case and ends up being less than two months mortgage repayments. Do I care whether my mortgage ends in Sep 2029 or July 2029. Right now not really.