Posted Date: 22/10/2025
Many homeowners consider a remortgage when their fixed-rate period is coming to an end. This is often a key moment, as most lenders will move you onto their standard variable rate, which can be higher than your current deal.
Why It Matters
Switching to a new product before your fixed term ends can help you avoid higher monthly repayments. By reviewing your options early, you give yourself time to compare what’s available and find a mortgage that suits your circumstances.
Moving Forward
It’s usually best to start looking three to six months before your current rate finishes. At Muuvin Mortgages & Protection, we work with homeowners to review existing mortgages and find suitable new options. To learn more, you’ll be able to view our page dedicated to remortgaging: https://muuvin.co.uk/remortgage/
Do I have to stay with my current lender when my deal ends?
No, you can switch to another lender if they offer a product that fits your needs.
Is there a fee for remortgaging?
Sometimes. Costs vary depending on the lender and the product.
When should I start looking at remortgage deals?
Around three to six months before your current deal finishes.
Disclaimer
Your home may be repossessed if you do not keep up repayments on your mortgage.
This article is for general information only and should not be taken as advice. Mortgage applications are subject to status and lender criteria. The information provided is correct as of the date it was posted and may be subject to change without notice.
