Mark Your Calendar: Know the exact date when your fixed rate ends. This will help you plan ahead and avoid any last-minute surprises.

Review Your Finances: Take a closer look at your financial situation. What has changed since you first got your mortgage? Assess your income, expenses, and savings.

Assess Your Options: As your fixed rate comes to an end, you’ll have options to consider. You could switch to a new fixed rate, opt for a variable rate, or even remortgage with a different lender. We can help you weigh these options.

Talk to Us: We’re here to guide you through the process! Reach out to our expert team to discuss your situation and explore the best path forward.

Gather Documents: Just like when you first got your mortgage, there will be paperwork involved. Start gathering documents like proof of income, credit reports, and any other relevant financial information.

Start Early: Don’t wait until the last minute to make decisions. Starting early, ideally 6 months before it’s due, gives you time to research, compare rates, and make well-informed choices.

Consider Your Goals: Reflect on your homeownership goals. Are you planning to stay in your current home for the long haul? Or is this a stepping stone to something bigger? Your goals will influence your decision.

Reach out to us with any questions or concerns you might have. Let’s make the most of your mortgage journey together!

(Think carefully before securing debt against your home. Your property may be repossessed if you do not keep up repayments on your mortgage.)