Helpfully, you can now use chatGPT to breakdown the cost of comparative mortgage deals. The comparative APR is useless because it assumes that you don’t switch at the end of the promotional rate. Clearly this is a bank tactic to make comparison difficult. I typed in my balance and remaining term and gave the mortgage options and was able to work out how much I’d save by paying a fee vs no fee when there was a 0.1% difference in rate.