Leaving your remortgage too late can reduce your options.
In the final few months:
- Lenders may have fewer deals available
- Criteria can become restrictive
- Decisions may feel rushed
Starting early gives you more flexibility and peace of mind.
Is your mortgage deal ending in the next 6 months?
If your fixed rate ends within the next 6 months, now is the time to act on your remortgage, not later.
With interest rates still moving, waiting until the last 2–3 months can limit your options and lead to rushed decisions.
✅ You can secure a new deal up to 6 months in advance
✅ If rates go up, you’re protected
✅ If rates fall, we can often switch you to a better deal
We’re seeing a large number of deals ending toward the end of 2026 so getting ahead now gives you more control.
If your broker hasn’t been in touch, or you’re unsure where you stand, we’re here to help.
This post is for information only and does not constitute financial or mortgage advice. Your home may be repossessed if you do not keep up repayments on your mortgage. Munro Mortgages is a trading style of The Lending Channel, authorised and regulated by the Financial Conduct Authority (FCA), FCA number 626787.
Leave a Reply