Decide Whether to Remortgage Now or Wait

Your deal ends in a few months and the rates won't sit still. Tell it how long you've got left and your current rate, and it lays out the current fixed options, the cost of acting now versus waiting, and what happens if rates move before you switch. You get a straight read on the trade-off instead of refreshing a comparison site at midnight.

<context>
Your current mortgage deal ends in {MONTHS_REMAINING} months. You are weighing up whether to remortgage now at current rates or wait to see if rates change before your deal expires.
</context>

<task>
**Help me decide whether to remortgage now or wait:**
1. What are the current fixed-rate options available and how do they compare to my existing rate?
2. What is the cost of acting now if rates fall before my deal expires versus the cost of waiting if rates rise?
3. What does the Bank of England base rate trajectory suggest, and how certain is it?
4. Are there early repayment charges on my current deal that affect the maths?
5. At what rate movement would waiting become clearly the wrong choice?
</task>

<output_format>
- Cost scenario table: act now vs wait, modelled for rates staying flat, rising 0.5%, and falling 0.5%
- Break-even analysis: the rate threshold that tips the decision
- Recommended action with the key condition that would change it
</output_format>