OK, thanks for clarifying that you calculated it based on 4.75%. 2029 is only one year off. If a higher interest rate were available in future then I would move whatever is saved.
I am giving this rating because I appreciate that you stuck it out with me. But I also helped you to identify the issues and feel that most people would not be as articulate as me. I honestly didn't know what to ask, so that was effort on my part.
Yes there are many unknown variables; but I also gave you real variables to work with. I am not being cheeky but laid out all the issues running through my mind, as I see it, and just needed clarity. I really hate having to explain myself to people with so many words, even after I have shown myself to be articulate
Please refer me so I can work out what my next issue is. It has been a struggle working out this question on your part, I do acknowledge. But it also has been difficult trying to help you help me. Maybe you can appreciate the feedback contained in what I've written because most people won't know what to ask: they think they do but they don't
And, I know you are an accountant but your face was the only choice given to me at the time. Don't blame me because I think I did give you insight into how to deal with questions from people. Thanks for your patience anyway