By James Evans, Director, TouchPoint Mortgages.
Whether your fixed rate deal is coming to an end or you’re just looking to cut monthly costs, now might be the ideal time to remortgage in Rustington — but that all depends on your personal situation, the current mortgage market, and your goals.
At TouchPoint Mortgages, we’ve seen a growing number of Rustington homeowners reviewing their mortgage options early in 2025 — and for good reason.
Here are a few common triggers:
Their fixed rate is ending, and they want to avoid rolling onto a higher variable rate
They want to release equity for home improvements or debt consolidation
They’re seeking more stable monthly payments amid uncertainty
Their income or family circumstances have changed
Even if your deal isn’t up just yet, there are cases where it still makes financial sense to explore options early — especially if we can secure a better rate ahead of further interest rate changes.
As of 2025, the base rate is beginning to stabilise after the rapid increases seen in 2023–2024. Lenders are gradually reducing fixed-rate pricing, but the market is still volatile.
Many lenders now allow rate reservations up to 6 months in advance, so acting now could protect you from future rate hikes.
📎 Learn more: Remortgaging in West Sussex – What You Should Know
Absolutely — but only if the numbers work for you.
At TouchPoint Mortgages, we run a full cost comparison between:
Your current deal
What’s available on the market (including lender product transfer options)
Any early repayment charges (if applicable)
We’ll let you know if switching now or later is the smarter move. Sometimes, staying put is the right call, and we’ll tell you that too.
We’re not a call centre. We’re based locally and understand:
The types of properties in Rustington
Local lenders’ quirks and criteria
How to spot worthwhile remortgage deals specific to West Sussex
We also don’t charge upfront fees, and your initial advice is always free.
This depends on your appetite for risk.
Tracker mortgages offer flexibility and the chance to benefit if rates drop — but they can rise too.
Fixed-rate mortgages provide peace of mind and budgeting stability.
We’ll help you decide based on your income, future plans, and property goals.
If you live in or around Rustington and want honest, expert mortgage advice, we’re here to help.
✔️ Start your free remortgage enquiry here »
✔️ Learn more about our remortgaging service »
Send your message and we will be in touch, alternatively you can book an appointment to chat to one of our team.
