A Middle aged couple looking stressed over documents while sat at a table with their laptop. Stressed because they have left remortgaging to the last minuteA Middle aged couple looking stressed over documents while sat at a table with their laptop. Stressed because they have left remortgaging to the last minute

With interest rates higher than they have been for 15 years, you may be worried about the impact this will have on your monthly mortgage payments once your current mortgage deal expires.

There is no doubt it can feel overwhelming for homeowners at a time when it’s hard to turn on the news without hearing about increased interest rates, increased living costs and ever-changing mortgage rates. If you don’t know which way to turn and you’ve left remortgaging until the last minute – don’t panic!


Before you hit the panic button, talk to your mortgage adviser.

It’s important to look beyond these headlines and don’t assume that the worst-case scenario will necessarily apply to you. Talking to an adviser as soon as you can is crucial to avoid rushing and potentially ending up with a less favourable deal.

If you haven’t got a new deal in place when your fixed-rate mortgage ends, your lender will put you onto their standard variable rate, which tends to be higher than the rates on most other mortgage options. So, it pays to get the right mortgage for you in place.

We will assess all of your options, advise you on which is most suitable and support you throughout the application process. We can search an extensive panel of lenders for you, finding deals and options that you may not have even considered.  We’re ideally placed to check what your current lender will offer you and what you could get elsewhere.


Worried you won’t qualify for a remortgage?

Everyone’s circumstances change over time! Don’t worry if you’ve had a credit blip, you’re earning less or your property has dropped in value, because that doesn’t mean you’re automatically stuck for choice. Your options are out there, and with an experienced adviser at your side, you’ll be able to find them.

Our expert advice will make your mortgage search and application process pain-free, so don’t panic that you’ve left it until the last minute, speak to us today.

We have our fingers on the pulse of the mortgage market and are equipped with in-depth knowledge of the different mortgage products on offer. Our insider knowledge can make your remortgaging process simple. So are you ready to find the right mortgage for you? Speak to us today.

Phone us directly on 0333 005 0333,

or text ADVICE to 82228.

or email us at [email protected]


Approved by the Openwork Partnership on 07/09/23

Mortgage Move is a trade name of Nicholas Financial Limited, which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

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