The figures are estimates based on a fixed interest rate applied monthly to a reducing balance. Your actual balance will vary slightly depending on the exact date your lender applies each payment. That said, for most mortgages it will be a very close guide. If you want to know your precise balance, check your most recent mortgage statement or contact your lender directly.

You should start looking at your options around six months before your deal ends. When a fixed or tracker rate expires, most lenders move you onto their standard variable rate automatically, which is almost always significantly higher. We can search the whole market to find you a better deal, or review a rate switch with your existing lender. Find out more about remortgaging or speak to us today.

You don't have to move lender. Staying with your existing lender on a new deal — known as a product transfer or rate switch — can be quicker and cheaper than a full remortgage, with no legal fees or valuation in most cases. It isn't always the best option though, which is why it's worth comparing both routes. Read more about rate switches.

The SVR is your lender's default interest rate; the one your mortgage automatically reverts to when a fixed or tracker deal ends. SVRs are set by the lender and tend to be significantly higher than available fixed or tracker deals, sometimes by 2–3%. If your rate is above 6%, there's a good chance you're already on it. Check live rates to see what's available to you.

Yes. Our free Rate Alert Service lets you register your rate end date and we'll contact you at the right time, before your deal expires, so you have time to review your options without rushing.