When Should I Remortgage My Home in 2025?

Remortgaging is a significant financial decision, and timing plays a large part in it. One thing plenty of people don't realise is that you can start the process up to six months before your current deal ends. Here's why that matters.

1. Lock in today's rate before rates rise

Interest rates are unpredictable. If rates are rising, starting early lets you secure a competitive rate before your current deal ends. The new rate doesn't take effect until your existing deal expires, so you won't pay more than you need to in the meantime.

2. Keep your flexibility if rates fall

Securing a rate early doesn't lock you into a single decision. If you reserve a rate now and rates drop before your current deal ends, there's still time to review the options and switch to a better one.

3. Avoid the standard variable rate

When a fixed or discounted deal ends, most lenders move you onto their standard variable rate. SVRs are typically well above the competitive deals available on the market. Planning ahead means you don't end up on one by default.

4. Reduce the stress and decide properly

Leaving a remortgage until the last minute is stressful, particularly if you're rushed into a decision. Starting six months out gives you time to:

• Review your current financial situation.
• Compare a range of options.
• Gather the paperwork without feeling under pressure.

That extra time is what lets you make a decision that fits your longer-term plans rather than just the next two years.

How we can help

We're here to make remortgaging straightforward. Whether rates are rising or falling, we'll:

• Compare deals from across the market.
• Help you secure a rate that fits your circumstances.
• Keep the review open in case something better appears before your deal ends.

What to do now

If your deal ends within the next six months, it's worth a conversation. Call us on 01524 888877, email advice@pbsfinancial.co.uk, or use our contact page to arrange a chat. Your first conversation is free and there's no obligation.