How Early Can I Remortgage Before My Deal Ends?
- emily5888
- Oct 2
- 2 min read
If your fixed-rate mortgage is ending soon, you’re probably wondering:
“How early can I remortgage before my deal ends and when should I start the process?”
The truth is, timing is everything.
Act too late and you could face higher mortgage rates or revert to your lender’s expensive Standard Variable Rate (SVR). Act too soon and you might risk early repayment charges (ERCs).
At Model Financial Solutions, we help homeowners across Surrey and London plan ahead, track interest rates, and secure the best remortgage deal at the right time so you can relax knowing everything is handled for you.
You Can Remortgage Up to 6 Months before your current mortgage rate expires
Most UK lenders allow you to secure a new mortgage up to 6 months before your current rate ends. That means if your deal finishes on 31 March 2026, you can start the process from October 2025.
Planning ahead gives you:
Time to lock in a competitive rate
Protection from potential interest rate increases
Peace of mind you won’t fall onto the SVR
Flexibility to switch to a better deal if rates drop
Why Acting Early Matters
Mortgage offers usually last six months, so by starting early, you can secure a deal now and if rates improve before your completion date, we’ll re-check the market and switch you to the new, lower rate.
That’s one of the key benefits of working with Model Financial Solutions, we monitor your mortgage right up to completion, making sure you never miss out on an improved offer.
You don’t need to stress about tracking the market or comparing lenders, we do it all for you.
Emily’s Expert Tip
“Think of me as your mortgage co-pilot. I’ll monitor the market, manage the process, and ensure you get the right deal at the right time so you can focus on life, not mortgage admin.”
Clients of Model Financial Solutions say their biggest relief is knowing I’m watching the rates for them. You’ll always be updated if better options appear and you’ll never be left wondering when to act.
Model Financial Solutions is a trusted mortgage and protection adviser firm, we proudly help clients across Surrey and beyond with expert, tailored advice, check out our 5-star reviews to see why clients consistently recommend us.
Your home may be repossessed if you do not keep up repayments on your mortgage. You may have to pay an early repayment charge to your existing lender if you remortgage.
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