22/09/2026
"My mortgage deal doesn't end for another 6 months... do I really need to think about it yet?" 💬🤔
It may seem a little early, but planning ahead could make the process much easier (and potentially cheaper!) for you.
Most formal mortgage offers are valid for up to 6 months, so exploring your options from this point gives you time to lock in a rate, whilst still having the flexibility to switch to a better rate if market rates drop before your current deal officially ends. 📉
It's also important to keep in mind that, without a new deal lined up, you'll be automatically transferred onto your lenders Standard Variable Rate (SVR). 😬 SVRs are often known for being significantly higher than fixed-rate deals, and you could potentially face much higher monthly payments than you were used to.
Get in touch with an expert remortgage adviser today! 👋
☎️ 01482 470444
✉️ [email protected]