Fixed Rate ending

Is your fixed-rate mortgage ending soon?

Whether your mortgage is for your home or a buy-to-let property, if your fixed-rate deal ends within the next six months, or has already ended, now is the ideal time to review your options.

Lenders typically let you secure your next deal between three and six months before your current fixed rate expires, giving you time to make an informed decision rather than a last-minute one.

+25 years of experience

200 Lenders and Providers

Free Consultation

mortgage review

How a Mortgage Review Could Help You

Mortgage rates have stayed unsettled through 2026. Although rates eased at points during 2025, conditions keep shifting, leaving many people unsure whether to lock in a new deal now or hold off.

If you’ve been asking yourself any of these questions, you’re not alone:

Will my monthly payments go up?
Should I secure a new deal now, or wait?
Is my current lender still my best option?
Could I save money by shopping the wider market?
What happens if I do nothing?

Speaking to an expert adviser can help you cut through the uncertainty, comparing your options across the whole market to find the deal that’s genuinely right for your circumstances.

IS this right for you?

Is This Right for You?

This mortgage review is designed for people who:

✔ Have a fixed-rate mortgage ending within the next six months

✔ Have already come to the end of their fixed-rate deal

✔ Have a residential mortgage or a buy-to-let property

✔ Want to understand their options before making a decision

✔ Would value professional advice with no obligation

If that sounds like you, we’d be pleased to help.

What OUR CLIENTS SAY ABOUT US

Why Choose Connect Mortgages?

Choosing your next mortgage isn’t just about finding a competitive rate, it’s about understanding all of your options.

When you speak to Connect Mortgages, you’ll benefit from:

Access to over 200 lenders and providers

We compare mortgage solutions from across the market, not just one lender’s products.

More than 25 years’ experience

Our advisers help clients with straightforward mortgages as well as more complex circumstances, including self-employed income, credit issues and buy-to-let portfolios.

Advice tailored to you

Every recommendation is based on your personal circumstances and objectives.

No pressure

Your consultation is completely free, with no obligation to proceed.

    
 
 
         
   Charlie Fardon 
 16. August, 2023.
 
 
  It is one thing to be passionate about your job, but Trevor went far above and beyond that. He truly cares, and that was apparent at every single step of the journey. I don't normally write reviews, but on this occasion I can't help feel that a review is no where near enough of a gesture to express my appreciation and gratitude for the attention to detail, commitment and support that Trevor gave. He is most excellent at what he does, and if you take him on as your mortgage advisor you'll have made the absolute best choice possible. Connect mortgages please nominate Trevor for a mortgage advisor of the year award!
  
 
        
   Miroslav Mitkov 
 18. July, 2023.
 
 
  My wife and I are beyond pleased with Connect Mortgages for all their support in presenting our mortgage application with a Spanish bank. We live in the UK and it would have been impossible to navigate through the complexity buying a property in Spain with minimal local knowledge. Stephen Marcon was especially generous with his time and patience as we were getting to know the market. He promptly responded to my countless emails and questions which gave us huge confidence.
  
 
        
   Florence Addo-Koranteng 
 17. July, 2023.
 
 
  As a first time buyer, I had very little understanding about applying for a mortgage. The level of customer service was outstanding, very professional. My advisor went above and beyond and dealt with all the stresses involved in finding me a lender. My advisor values hard-earned money, so not only did she get me a lender, she got me the best deal. I certainly recommend Connect Mortgages. They are  the best.
  
 
        
   Ashleigh Lennard 
 12. July, 2023.
 
 
  Exceptional experience with Connect Mortgages. Dan completed our application in a timely manner and went above and beyond helping us every step of the way as first time buyers. Couldn't have asked for more.
  
 
        
   Didier Vercellin 
 12. July, 2023.
 
 
  Rummana Khambati from Connect Mortgages has been extremely thorough with providing me and my partner with excellent, quick, efficient and timely advise in relation to our mortgage, making sure our needs and demands have been accurately met. Very happy with the service that has been provided allowing us to quickly move on with the process of moving into our new home.
  
 
        
   My Boss' Car 
 3. July, 2023.
 
 
  I've worked with Stephen Marcon at Connect Mortgages for the last decade and he has never once put a foot wrong. We invariably present Stephen with a raft of complex demands and conditions and he always comes up with an elegant and cost-effective solution. I have recommended Stephen to close friends and family and have no hesitation in endorsing the service we have received from Connect above any other comparable organisation.
  
 
        
   anna chorazy 
 1. June, 2023.
 
 
  I used Connect Mortgages twice in last two years, both time fabulous service. My latest experience was with Trevor Edwards, great attention to detail, profesional but able to create very relaxed and friendly connection, super-fast response time, highly recommended.
  
 
        
   Karen Eccles 
 31. May, 2023.
 
 
  I have been having difficulties securing a mortgage for various reasons and it seems to have taken a long time . I thought I might lose my little house . Connect mortgages have been brilliant, they kept me informed at every step and I felt they were really trying their best for me , and understood my situation . Special thank you to Trevor Edwards who took over my case at the last hour . He was determined to get me through the process and get me what I needed . He wasn’t going to take no for an answer. Everyone was professional and knowledgeable thank you all . Ed and Simon too for the work you both did . Trevor you are a saint .
  
 
        
   Jenny Careless 
 30. May, 2023.
 
 
  Trevor has been amazing and so helpful! Such a lovely, polite gentleman that follows up and does what he says he will. Thanks so much Trevor!

What Happens During Your Mortgage Review?

During your consultation, one of our experienced advisers will:

Review your current mortgage.
Discuss when your fixed rate ends.
Explain the options available to you.
Compare products from across the market.
Answer any questions you may have.

You’ll leave with a clearer understanding of your options and what the next steps could look like.

Book Your Free Mortgage Review

Helping homeowners and landlords make informed mortgage decisions.

Your home may be repossessed if you do not keep up repayments on your mortgage.

No obligation. No jargon. Just straightforward, professional advice.

Common questions

FAQ : Frequently Asked Questions

Does the consultation cost anything?

No. Your initial mortgage review is completely free and there’s no obligation to proceed afterwards.

My mortgage doesn't end for a few months. Is it too early?

Not at all. Most lenders allow you to secure a new mortgage rate up to six months before your current deal ends, making early conversations worthwhile.

My fixed rate has already ended. Can you still help?

Yes. If you’ve already moved onto your lender’s Standard Variable Rate (SVR), we’ll review your options and discuss whether there’s a more suitable mortgage available.

Will checking my options affect my credit score?

No. An initial conversation doesn’t involve a credit check. If you decide to proceed, your adviser will explain when any lender checks may be required.

Do I have to change lenders?

Not necessarily. Sometimes staying with your current lender is the right choice. We’ll compare that against the wider market and explain your options, so you can make an informed decision.

🔴 LIVE MORTGAGE RATES