Remortgage Advice
Your current deal ending isn’t a deadline to panic about. Start around six months out, and we’ll lock in a new rate early, with the option to switch again if the market improves before it completes.
What happens when your deal is ending
If your fixed or tracker deal has an end date in the next year, this is what we do, and when.
We review your current deal
We confirm your exact end date and what rate you'd fall onto if you did nothing, so there's no guessing.
We compare 90+ lenders
Including your current lender's own retention rate, so you know whether switching beats staying put.
We lock in your new rate
Most offers hold for six months, so securing one early usually costs nothing and keeps you free to switch again if rates fall further.
Your new deal starts, automatically
No action needed from you on the day; your new rate takes over the moment your old one ends.
What matters for remortgage advice
Missing your remortgage date can mean drifting onto your lender's standard variable rate, often noticeably higher than a fixed deal. Starting early keeps every option, including releasing equity or switching lender, open.
Tracy Bowdidge advises on remortgage advice
Tracy reviews existing deals and timing to help clients avoid drifting onto a higher rate, across Chelmsford and beyond.
Remortgage Advice questions, answered
Around six months before your current deal ends. Offers usually last six months, so starting early locks in a rate now while keeping the option to switch if rates improve.
You’ll typically move onto your lender’s standard variable rate, which is usually higher than a fixed or tracker deal.
Often yes, subject to affordability and loan-to-value criteria. We’ll confirm what’s realistically available to you.
When your current mortgage deal is ending
Remortgaging is for homeowners whose fixed or tracker deal is due to end, or who want to release equity, consolidate borrowing, or find a better rate than their current lender offers. Most mortgage offers are valid for up to six months, so we typically start the process around six months before your deal ends, giving time to compare the market and switch again if a better rate appears before completion.
Download our free Remortgage Guide
Ten pages on how remortgaging works, written by our advisers. Read it before your current deal ends so you know your options.
- New lender or product transfer
- Securing a rate early
- Costs to consider
- Remortgage checklist
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Open the guide (PDF)Remortgaging guides
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