Myth: I Have to Wait Until My Mortgage Deal Ends to Remortgage

This myth could cost you thousands.

Many homeowners believe they can’t do anything about their mortgage until their current deal officially ends. As a result, they wait… and wait… and often end up on a higher variable rate or miss out on better options altogether.

The truth? You can usually lock in a new mortgage deal up to six months in advance - sometimes even earlier.

At Endurance Mortgages, we help homeowners secure future rates early, giving certainty and protection against market changes.

What Does “Locking in a Mortgage Early” Mean?

When your current fixed or tracker deal is approaching its end, many lenders allow you to:

• Apply for a new mortgage up to 6 months before your deal finishes

• Secure today’s rate for a future start date

• Switch to that deal automatically when your current mortgage ends

You don’t start paying the new rate immediately - it simply waits in the background, ready to go.

Why This Is a Big Deal

Locking in early gives you:

• Protection if rates go up

• Time to plan your monthly budget

• Peace of mind, knowing you won’t fall onto a costly variable rate

• The option to switch again if rates fall before completion

You stay in control - not the market.

What If Rates Drop After I Lock In?

This is where expert advice matters.

In many cases:

• You can change or reapply for a better deal before your new mortgage starts

• You’re not committed until completion

• You get the best of both worlds: security now, flexibility later

We monitor this for our clients, so they don’t have to.

Who Should Be Thinking About This Now?

You should review your mortgage if:

• Your fixed rate ends in the next 6–9 months

• You’re on a tracker or standard variable rate

• You want to reduce monthly payments

• You’re planning home improvements or debt consolidation

• You want stability heading into the next year

If your deal ends soon, now is the time to act - not later.

Why Waiting Can Be Risky

If you wait until the last minute:

• Rates may be higher

• Lender options could be more limited

• You could fall onto your lender’s variable rate

• You may feel rushed into a decision

Planning early gives you choice, not pressure.

How Endurance Mortgages Can Help

At Endurance Mortgages, we don’t just react - we plan ahead.

We will:

• Check when your current deal ends

• Tell you how early you can remortgage

• Lock in a competitive rate in advance

• Monitor the market and switch if something better appears

• Make sure your remortgage completes smoothly and on time

All with clear advice, no jargon, and no guesswork.

Final Thoughts

You don’t have to wait to remortgage - and you shouldn’t.

Locking in early gives you certainty, flexibility, and protection in a changing market.

Key takeaways: ✓ You can often lock in a remortgage 6 months in advance ✓ It protects you if rates rise ✓ You can usually switch again if rates fall ✓ Early planning avoids costly mistakes

If your mortgage deal is ending this year, speak to Endurance Mortgages today. A quick review now could save you serious money later.

---

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. Some Buy to Let mortgages are not regulated by the Financial Conduct Authority A fee may be charged for mortgage advice. The exact amount will depend on your circumstances.

Endurance Mortgages Ltd is an appointed representative of The Right Mortgage Ltd which is authorised and regulated by the Financial Conduct Authority. Registered in England and Wales no. 15060351. Registered Address: Worting House, Church Lane, Basingstoke, Hampshire RG23 8PX.