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Remortgage advice: when to review your rate

If your fixed rate is ending soon, it may be time to review your options. A remortgage review helps you understand what deals are available and whether switching could reduce your monthly payments.

When to start reviewing

Aim to review your deal around six months before the end of your fixed term. This gives you time to compare options, assess fees, and keep the process stress free.

Key details to prepare

• Your current mortgage balance and term
• Property value estimate
• Any early repayment charges
• Your income and outgoings

Consider fees alongside rates

A lower rate does not always mean lower overall cost. Review arrangement fees, valuation charges, and any incentives.

For tailored remortgage advice in Coventry and across the UK, speak with Divine Harvest Mortgages & Protection.