Guide · 27 May 2026
What to do six months before your fixed rate ends
Waiting until the last letter from your lender arrives leaves little room to compare. A calm remortgage window starts earlier than most people expect.
Your lender will write when the fixed period is ending, but the useful work starts around six months earlier. That is when product transfers and new-lender deals for your loan-to-value start to become visible, and when early repayment charges still need careful arithmetic.
Begin by finding the outstanding balance and the exact end date on your latest statement. Then estimate your property’s value using recent local sales, not an optimistic listing price. Together those numbers give a loan-to-value band that decides which rates you can touch.
Next, ask whether a product transfer with your current lender beats the hassle of a full remortgage. Transfers can be quicker and may skip a new valuation, yet they are not always cheaper once fees are included. A short remortgage review appointment exists for this comparison — not to rush you into an application.
If you have overpaid during the fixed term, bring those figures too. Lower balances can open better tiers, and some lenders credit overpayments differently when you switch.