MORTGAGE SWITCH DATE CHECKER
When can I switch my mortgage deal?
Every lender sets its own window for choosing your next deal, and it’s not always easy to find. Pick your lender and the date your current deal ends, and we’ll show you the first day you can lock in a new rate.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Let us remind you when your window opens
We’ll remind you to book a prep call three weeks before your lender’s window opens, and again before your deal ends.
Why some people secure a rate early
Nobody knows for certain where interest rates will go. Forecasts have been wrong before, when events nobody planned for moved rates quickly.
September 2022 · The mini-budget
Source: Moneyfacts, 2 April 2026.
March 2026 · Conflict with Iran
Sources: Reuters poll, 16 February 2026; Bank of England, 19 March 2026; Moneyfacts, 2 April 2026.
Rates can fall as well as rise, and past movements don’t tell us what will happen next. Some people prefer to wait two or three months until their lender’s window opens. Whichever you’d prefer, we can help.
Your switch plan
Four steps, so you’re ready when your window opens and nothing is left to the last minute.
Prep call
A short call with your adviser. We take your details, check your balance, term and any early repayment charges, and find out what matters most to you.
Secure an offer early
If you’d like protection against rates rising, we may be able to secure a mortgage offer with a new lender, so there’s one on the table. This will depend on your circumstances.
Review your options
We book a second appointment to check whether anything has changed. Then we compare your lender’s deals for existing customers against the rest of the market and, if you secured an offer early, against the rate you secured. Then we give you our recommendation.
Keep watching
If rates fall before your new deal starts, many lenders let you change to a cheaper product, up to a cut-off date. If you see a lower rate, get in touch and we’ll check whether you can switch. We’ll also let you know if we spot one, but we can’t promise to catch every rate change.
Book your switch prep call
Get ahead of the game and book a switch prep call so you avoid any last-minute or rushed decisions. No obligation.
- We go through your circumstances, income and plans, so your advice fits you.
- We check your current deal, balance, term and any early repayment charges.
- We’ll compare your lender’s offer with the market and talk you through your options.
or call 01452 947 630
Switching your deal: your questions
Should I stay with my lender or move to a new one?
It depends on the rates on offer and your circumstances. Staying is often quicker, with no valuation or legal work. Moving can sometimes get you a better rate. We compare both and explain the difference before you decide.
What if rates go down after I've locked in?
Many lenders let you change to a different product before your new deal starts. Each lender has its own rules and cut-off dates, so we’ll check yours and tell you whether a change is possible.
Why might I want to secure a remortgage rate early?
Rates can change quickly, and forecasts aren’t always right. Securing an offer with a new lender up to 6 months before your deal ends gives you a rate on the table if rates rise. If rates fall instead, we can look again before your current deal ends.
Why might I want to wait until my lender's window opens?
Switching with your current lender is usually simpler, often with no valuation or legal work. If you’re happy to stay with them, you may prefer to wait until their window opens. We’ll still compare their deals with the market before you decide.
Why might I want to cancel a new rate?
If rates fall after you’ve secured a deal, a different product might save you money, as the interest rate available is lower. Each lender has its own cut-off for changing or cancelling, so we’ll check yours.
Will you tell me if my lender lets me change rates?
Yes. We’ll check your lender’s rules on your prep call and tell you whether you can change to a different product after securing one, and the last date you can do it.
If my lender doesn't let me change rates, how do I decide whether to secure one early?
There’s no one right answer. It depends on your circumstances, how a rise in rates would affect your budget, and how you feel about the risk. We’ll talk it through, and the decision is yours.
Is it hard to remortgage?
A new lender will need to check your income and look at your overall financial situation. What they ask for varies, but it’s usually 3 months’ bank statements, 3 months’ payslips and proof of your name and address. Your home will need a valuation, either a desktop valuation or a visit, and you’ll need to complete some legal paperwork.
Is it expensive to remortgage?
Costs vary. Lenders are keen to attract remortgage customers, and many deals include the valuation and standard legal work at no extra cost, or cashback towards your legal fees. There are extra costs if, for example, you have a Help to Buy equity loan or a Shared Ownership home. We’ll weigh up whether the costs outweigh the benefit of a lower interest rate.
What happens if I do nothing?
When your deal ends you’ll usually move onto your lender’s standard variable rate, which is often significantly higher than the deals on offer.
Do you charge for mortgage advice?
We don’t charge a fee for advice on switching to a new deal with your existing lender. If you remortgage to a new lender, there may be an advice fee of up to £399, depending on your circumstances. We’ll tell you about any fee before we start, so you can decide whether to go ahead. We’re also paid commission by the lender.
Relax. We've got this.
One friendly adviser to help you choose your next deal, whenever you’re ready.
Dupree & Co is a trading style of Gerry Dupree & Company Ltd who are an appointed representative of PRIMIS Mortgage Network, a trading name of Personal Touch Financial Services Ltd. Personal Touch Financial Services Ltd, is authorised and regulated by the Financial Conduct Authority.
Gerry Dupree & Company Ltd is registered in England at B5 Kestrel Court, Waterwells Drive, Quedgeley, Gloucester, GL2 2AT. Registration Number – 04289129.
For mortgages we may charge a fee of up to £399. This is dependent on individual circumstances and complexity of the case. Any fee we do charge will be agreed with you prior to commencing the mortgage process. The fee is charged at application stage so an initial consultation will not be fee bearing. If we charge you a fee and are unable to obtain a mortgage offer for you, we will provide you with a full refund. We do not charge a fee for product switches with your existing lender.
Switch dates shown are a guide only, based on lenders’ published rules, which can change without notice. While we take care to keep them up to date, we can’t guarantee every date is correct. Your lender’s own terms take priority. Early repayment charges may apply if a new deal starts before your current deal ends.
The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE