Fixed rate ending soon? Check your remortgage options up to 6 months early

When your fixed-rate mortgage ends, you may move to a higher Standard Variable Rate (SVR). Many lenders let you secure a new deal up to 6 months before your current one ends.

No-obligation consultation — see your options before committing
Compare deals from across the market
Response within 24 hours
Expert advice for residential and buy-to-let

Check My Remortgage Options

Quick check — when does your fixed rate end?

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

FCA Regulated (824411)

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Response within 24 hours

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How it works

Tell us your situation

Share when your fixed rate ends and your mortgage type. No commitment.

We check your options

Our advisors compare deals across the market and prepare your options.

You decide

We'll contact you within 24 hours. No obligation to proceed.

Check My Remortgage Options

What happens when your fixed rate ends?

When your fixed-rate mortgage deal comes to an end, your lender will typically move you onto their Standard Variable Rate (SVR). SVRs are usually higher than fixed-rate deals, which may mean increased monthly payments.

You can often secure a new deal up to 6 months before your current fixed rate ends. This gives you time to compare options and lock in a rate without a last-minute rush. Your new deal would then start when your current one ends.

Remortgaging early doesn't mean leaving your current deal early — it means having your next deal ready. An advisor can explain your options based on your circumstances, including any early repayment charges.

Why people remortgage early

• Avoid moving to a higher SVR
• Lock in a competitive rate before it changes
• Plan monthly budgets with certainty
• Compare deals across the whole market

Why choose WIS

Whole of market

We compare deals from across the market, not just a limited panel.

Expert advice

Qualified advisors who understand remortgages and your situation.

No-obligation

Check your options with no commitment. You decide if you want to proceed.

Residential & BTL

We help homeowners and buy-to-let investors with remortgages.

What our clients say

"Straightforward process. They found me a better rate before my fix ended. Recommended."

— Sarah M., Kent

"No pressure, just clear options. Secured my remortgage 5 months early."

— James K., BTL Investor

"Helpful advice when my fixed rate was ending. Knew my options well in advance."

— Michael R., London

Results vary based on individual circumstances. The above are examples of client feedback.

Frequently asked questions

Yes. Most lenders allow you to secure a new remortgage deal up to 6 months before your current fixed rate expires. You lock in the rate now, and it starts when your current deal ends. This helps you avoid moving to a higher Standard Variable Rate.

Getting a quote or checking your options with us does not affect your credit score. A full credit check only happens when you apply for a specific mortgage product. We can explain the process before any search is done.

You can remortgage at any time. If you're on your lender's SVR, you may be able to switch to a better deal — either with your current lender or by remortgaging to a new one. There's no need to wait; we can check what options you have now.

Yes. We help both residential homeowners and buy-to-let investors with remortgages. If your BTL fixed rate is ending, we can compare deals suited to investment properties and rental income. The process is similar; criteria may differ for BTL.

Ready to check your remortgage options?

See what deals you could access before your fixed rate ends. No obligation.

Check My Remortgage Options

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