What to Do at the End of Your Mortgage Deal
Reaching the end of your mortgage deal is both exciting and a little daunting. Whether you’ve been on a fixed rate, tracker, or discounted
Before your next mortgage decision
Is your current deal ending? Thinking about switching lender or borrowing more? Find clear UK guides to the costs, choices and practical steps behind your next mortgage decision.
Explore the detail. Bring the questions that matter to you.
These guides provide general information, not a personal mortgage recommendation. Rates, fees and lender criteria can change. Check each article’s date and confirm current terms before acting.
Choose your starting point
Start with the question closest to your plans. Each guide explains a different part of reviewing or changing a mortgage.
Explore the main options and the checks to make before your current rate finishes.
Plan for your deal ending ↗Understand a product transfer and what to check when weighing it against a move to another lender.
Explore staying with your lender ↗Look beyond the label and see which fees, charges and rate differences belong in your comparison.
Understand the costs ↗Bring together the rate, term, fees and flexibility to ask more useful questions about a new deal.
Compare the key details ↗Find out why changing lender can involve legal work and which details to confirm before you proceed.
Understand the legal steps ↗Follow the handover from your existing mortgage to the new one, and the practical checks along the way.
See how completion works ↗The full collection
Browse more articles on switching, extra borrowing, mortgage-free homes and rental property. Dates shown are publication dates; check each article for its latest review information.
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Before you decide
Understand the terms, timing and trade-offs before choosing your next step.
For independent background, read MoneyHelper’s remortgaging guide.
A remortgage moves your mortgage to a different lender while you stay in the same property. A product transfer changes the deal with your current lender. The checks, legal work and charges can differ, so compare the terms available for your circumstances.
Start checking well before your current deal ends. Gather your balance, remaining term, deal end date and any early repayment charge details, then allow time to compare options. The date you can apply or switch depends on the lender and product.
Not necessarily. A longer term can reduce the monthly payment while increasing the interest paid overall. Compare fees, charges, the remaining balance and the cost over the same period, as well as whether the payment fits your budget.
A change in income, employment, credit history or property value can affect your options. Tell your adviser what has changed and what you want to do. The lender’s criteria and the type of change you request will determine what checks are needed.
From reading to a practical plan
Bring your current mortgage details and the changes you have in mind. Talk them through with Count Ready to understand the routes worth checking and the costs to compare.
The initial consultation is free. Fees for further work vary by case and are agreed before chargeable work begins. See our Terms of Business.
Your home may be repossessed if you do not keep up repayments on your mortgage.