Not sure? CHECK NOW! The end date of your current mortgage product will be noted on your original mortgage offer, or you can phone your lender directly to check.

If the end date is approaching or within the next 6 months, I cannot stress this enough, DO NOT DILLY DALLY! Contact a broker today to start looking at your options going forward. Most mortgage offers are valid for 6 months, so you can lock in a new rate nice and early and be safe in the knowledge that, if rates carry on going up, you’re safe and sound with a new product reserved, but also, if rates stabilise and start to go down, you can usually change the product anytime before completion!

With the cost of living increasing, it’s more important than ever to seek advice from an independent mortgage broker to make sure you’re getting the best deal possible.