What this tool is, and is not

Nothing on Vensali is financial, tax, legal or investment advice. The output is scenario analysis: arithmetic applied to numbers you supplied. It does not account for your income, job security, dependants, emergency savings, other debts, insurance, or goals — all of which matter when deciding what to do with a large loan.

For advice that accounts for your full circumstances, speak to a qualified, fee-only adviser.

No figure on this site is an offer, a quote, a sanction or a commitment from any lender. Rates, fees and eligibility are decided by lenders, not by us.

• Future interest rate movements. Your rate is held constant, and floating rates do move.
• Tax relief under Section 24(b) and 80C.
• What you might earn by investing your surplus instead of prepaying it.
• Charges your lender applies that you did not enter.
• Prepayment or foreclosure rules specific to your loan agreement.
• Your insurance, emergency fund and overall financial resilience.

Vensali does not recommend, rank, rate or receive payment from any lender. We have no commercial incentive in whether you move your loan, which is precisely why the tool is willing to tell you to keep it.

Always check the numbers against your latest statement, your Key Facts Statement, and your lender directly before making a decision involving a sum this large.