Many homeowners assume they only need to think about their mortgage when their current deal is about to end. In reality, reviewing your mortgage earlier can give you more options, reduce stress, and help you plan ahead with confidence.
If you are wondering when you should review your mortgage, the start of the year is often an ideal time to take stock of your finances and ensure your mortgage is still working for you.
Why Reviewing Your Mortgage Early Is Important
Leaving your mortgage review until the last minute can limit your options. In many cases, you can begin reviewing remortgage options three to six months before your fixed rate ends.
Reviewing your mortgage early can help you:
- Avoid moving onto your lender’s standard variable rate (SVR)
- Secure a suitable rate in advance
- Make informed decisions without time pressure
This is particularly relevant if your mortgage deal is ending in 2026, as early planning can give you greater flexibility if market conditions change.
When Can You Start Reviewing Remortgage Options?
Many lenders allow you to review and secure a new mortgage rate several months before your current deal finishes. This does not mean you have to switch immediately, but it gives you clarity and peace of mind.
Can You Review a Mortgage Before Your Fixed Rate Ends?
Yes. Reviewing your mortgage before your fixed rate ends is often sensible. A mortgage adviser can assess your current deal, explain your options, and help you understand when the right time to act might be.
What Should You Check When Reviewing Your Mortgage?
A mortgage review is not just about interest rates. It is about ensuring your mortgage still suits your circumstances.
When Does Your Current Mortgage Deal End?
Knowing your mortgage end date is essential. If you are unsure when your deal finishes, a mortgage adviser can help you check and explain what happens when your fixed rate ends.
Has Your Property Value Increased?
If your property has increased in value, you may now fall into a lower loan-to-value (LTV) band. This can sometimes improve the range of mortgage options available to you.
This is common for homeowners who:
- Bought several years ago
- Have made regular overpayments
- Live in areas where property prices have risen
Have Your Circumstances Changed?
Changes to your income, household spending, or future plans can all affect which mortgage is most suitable.
Examples include:
- A new job or pay rise
- Reduced outgoings
- Plans to move home, renovate, or reduce borrowing
A mortgage review looks at the full picture, not just the headline rate.
Is January a Good Time to Review Your Mortgage?
January is a popular time for reviewing finances and planning ahead. Many homeowners use the new year to check whether their mortgage still fits their goals and budget.
A no-obligation mortgage review can help you:
- Understand your current position
- Plan ahead with confidence
- Avoid unnecessary costs later
Even if you are not ready to remortgage yet, early advice can help you prepare.
Should You Get Mortgage Advice Before Remortgaging?
Mortgage products, criteria, and rates change regularly. Speaking to a mortgage adviser before remortgaging can help you understand your options and avoid costly mistakes.
How a No-Obligation Mortgage Review Can Help
A mortgage review allows you to:
- Assess whether your current deal is still suitable
- Explore remortgage options across the market
- Plan the timing of your next steps
There is no obligation to proceed, and the review is designed to give you clarity.
How Orchard Mortgage Solutions Can Help With Your Mortgage Review
At Orchard Mortgage Solutions, we provide clear, straightforward mortgage advice tailored to your individual circumstances. Whether your mortgage deal is ending soon or you are planning ahead, we can help you review your options and make informed decisions.
If your mortgage deal ends in 2026, now is a sensible time to start the conversation.
👉 Contact Orchard Mortgage Solutions today for a no-obligation mortgage review.
📞01257543013
