One-Liner
A continuous monitoring tool for UK homeowners with maturing fixed-rate mortgages that would calculate daily whether remortgaging early (including paying the early repayment charge) is cheaper than waiting for the current deal to expire.
AI Thinking Process
UK 5-year fixed mortgages from 2020-21 1.5% era rolling onto 5%+ rates through 2026-27. ~1.5M households face renewal cliff. Many discover new payment 2 weeks before signing.
Verb Transplant: 'continuous integration' → mortgage. Tool watches BoE base rate, gilt yields, lender fix rates daily, projects user's renewal payment 6/12/24 months out, alerts when remortgaging earlier (with ERC) becomes cheaper than waiting.
Habito, Better.co.uk, Mojo, MoneyHelper — remortgage calculators. None do continuous monitoring. But they have broker license, customer relationship, lender data feed. Could absorb in 1-2 sprints (G125). G117 fails: sub-$50 consumer pricing in broker-lead ecosystem where leads cost £100+.
B2B2C through retail bank. Bank has aligned incentive (retain mortgage customer for renewal). Data return (early attrition signal). But bank retention teams already monitor maturity — ERC break-even calculation is too thin for standalone vendor relationship.
Killed. Two-sprint defense window collapses for any 'monitor public data and alert' consumer fintech. FCA-regulated incumbents have the data feeds, customer, and could ship in 4-8 weeks. G125 fires hard.
Kill Reason
Two-sprint defense window collapses immediately: Habito, Better.co.uk, and Mojo already have BoE rate data feeds, lender rate scrapers, FCA regulatory permission, and the customer relationship — they could ship continuous monitoring in 4-8 weeks. Bank retention teams already monitor maturity dates; the ERC-vs-savings break-even calculation is a thin incremental feature. Consumer pricing math fails at sub-$50 for a one-time-per-5-years decision.
Risk Analysis
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