You have not taken into account under "losses" the amount of net rental income you will forego.
Even the best of deposit rates will not net any more than 2% at the moment (3% - DIRT). The second is answered in the original post - 4% SVR rate, no tracker.What interest is the deposit earning? There are several threads on here on the topic, have a look at some of them.
If it's a low interest tracker then you may be earning more interest than you are paying.
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