Remortgage checklist before your fixed rate ends

Don’t leave it until the last minute. Lenders let you secure a new rate up to 6 months in advance and switch to a better one if rates fall before completion.

Six months before

Check your current deal end date. Pull your latest mortgage statement. Check your credit file. Speak to a broker — most will start working a case 6 months out.

Four months before

Get an updated valuation estimate. Decide whether to stay (product transfer) or switch. Get an AIP from a likely new lender.

Three months before

Submit the full application. Most lenders take 2–4 weeks to issue an offer. Some are faster.

Two months before

Receive offer. Conveyancer (usually lender-appointed free legals) starts. Confirm completion date.

Month it ends

New mortgage starts the day after the old fix ends. No SVR exposure. You’re done.

What if rates fall?

You can usually switch to a better deal with the new lender before completion. Always ask.