How the payments are compared
Both payments are calculated on the same balance and remaining amortization, using the rates you entered.
Why the gap alone does not decide
The payment gap alone does not decide it. Add transfer costs, prepayment privileges, portability, and the penalty if you sell before maturity.
What the calculation ignores
This confirms no quoted rate. A transfer means a fresh review of your file at the lender taking you on.
Next step
Send me the offer you received, your balance, and the maturity date: I’ll compare it with what other lenders offer on the same basis.