How Early Can You Renew or Remortgage Before Your Fixed Rate Ends?

In many cases, homeowners can review renewal options several months before their fixed rate ends. Each lender has their own criteria on this, but many people find it useful to start thinking about their options around 6 months before or seeking advice and guidance at this point.

Looking early does not mean committing. It may help you to plan and understand your options. If your mortgage payment is going to increase after the end of your current deal, it gives you time to plan and budget.

Early repayment charges normally apply only if leaving a deal early, not to checking options.

Knowing where you are in the timeline reduces stress and rushed decisions.