By James Evans, Director, TouchPoint Mortgages.
If your current mortgage deal is due to end in 2026, now is the perfect time to start thinking ahead.
Many homeowners wait until the last minute to review their options — but when it comes to remortgaging in 2026, getting organised early can make a huge difference to what you pay.
At TouchPoint Mortgages, we always recommend reviewing your mortgage six to nine months before your current rate ends — and in some cases, even sooner.
Here’s why starting early matters, what to expect, and how you can make the most of your remortgage in 2026.
The earlier you start planning your remortgage in 2026, the more control you’ll have.
We’ve helped clients who contacted us more than a year before their existing rate was due to end — and in almost every case, those clients ended up with a better deal.
There’s a clear pattern:
The earlier you start, the more options you’ll have.
The more options you have, the more competitive your new rate is likely to be.
This is especially important for homeowners who are currently on ultra-low rates of 1% or 2%. When your deal ends, you’ll likely be moving onto a higher rate due to the changes in market conditions. Planning ahead means avoiding a nasty surprise when your payments increase.
Most lenders allow you to secure a new rate up to six months in advance, and in some cases even longer.
That means if your deal ends in June 2026, you could start the remortgage process as early as December 2025.
And don’t worry — once you’ve locked in a rate, you’re not stuck with it. If a cheaper deal becomes available before your new rate begins, we can usually switch you onto it at no cost.
It’s a win-win: you protect yourself from rate increases but still benefit if rates drop later.
If you have a Help to Buy equity loan or a shared ownership mortgage, you might want to start even earlier. These types of remortgages can take longer to process because there are extra steps involved, such as redemption statements or housing association approvals.
By starting the process 9–12 months before your deal ends, you’ll give yourself plenty of time to gather everything needed and avoid last-minute stress.
Remortgaging in 2026 isn’t just about getting a better rate — it can also be a great opportunity to release equity from your home.
Many homeowners choose to withdraw additional funds for:
🛠️ Home improvements or extensions
🚗 Buying a new car
✈️ Booking a dream holiday
💳 Consolidating existing debts
We’ll always help you explore whether this makes financial sense and compare it with keeping your current borrowing level.
Market conditions can change quickly. Inflation, government announcements, or Bank of England rate decisions can all influence what lenders offer.
That’s why it’s important to work with a trusted mortgage broker who can monitor the market for you. We keep an eye on rate changes daily and can help you secure the best available deal — or switch to a cheaper one if the market improves before completion.
For most people, six to nine months before your current mortgage deal ends is the sweet spot.
But if you have a complex situation — such as a Help to Buy loan, multiple income sources, or upcoming changes to your finances — we recommend starting up to a year early.
Early conversations allow us to review your credit file, income, and property value to make sure you’re in the strongest position when it’s time to apply.
At TouchPoint Mortgages, we offer free initial advice and compare deals from a wide range of lenders — including exclusive rates through PRIMIS, the UK’s largest mortgage network.
We help clients across Littlehampton, Rustington, and Angmering plan their next steps early, ensuring a smooth and stress-free process.
If you haven’t already, check out these related blogs for more insight:
👉 Contact us today to start planning your remortgage in 2026 with confidence.
Send your message and we will be in touch, alternatively you can book an appointment to chat to one of our team.
