Fix your mortgage now and review it within six months of your deal ending

Our experienced mortgage advisors can help find a mortgage that’s right for you. They will listen to your needs, review your current situation and search the mortgage market to find you a deal that suits you. 

Why fix your mortgage now?

By securing your mortgage deal, you’ll be protected against potential interest rate rises as well as having the reassurance of knowing what your monthly repayment will be. This applies if you’re on a fixed, tracker or discounted product and your deal is coming to an end within the next six months.

Many households will see their mortgage costs rise

By the end of 2023, 1.4 million households will see their fixed-rate deals coming to an end with deals automatically being moved over to the lender’s standard variable rate option. These were typically fixed at interest rates below 2% and so the result could be that homeowners will see their mortgage repayments increase by an average of £250 per month*.

What is the best term to fix a mortgage?

There are mortgages available with a range of fixed term periods. We can discuss the different options with you enabling you to lock in a mortgage for a period of time that suits you. 

Things you can do if your fixed rate is due to end soon

  • Make sure you know when your current deal ends

  • Speak to a mortgage broker who can help compare your options

  • Consider locking in a new mortgage early

  • Act in line with the Financial Conduct Authority regulations 

  • Make cutbacks and set aside some extra money every month to cover the upcoming increase in repayments

  • If you can afford it, overpay your mortgage

We can help make sure you’re on the right deal for your situation

Our mortgage advisors can start the process of sourcing a re-mortgage six months before your current deal ends. They have years of experience and often have access to specialised lenders to help keep costs down. 

Your home / property may be repossessed if you do not keep up repayments on your mortgage.

There may be a fee for mortgage advice. The precise amount will depend upon your circumstances but will be agreed with you before proceeding.

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