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Remortgaging in 2025: What You Need to Know Before Your Deal Ends

  • Writer: Zak Hewes
    Zak Hewes
  • Jul 20
  • 3 min read
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If your fixed-rate mortgage is ending in 2025, now is the time to start planning your next steps. With interest rates, inflation, and lender criteria constantly changing, remortgaging in 2025 could make a significant difference to your monthly payments—and your financial future.


At Your Mortgage Manager, we specialise in helping homeowners secure the best remortgage deals across the UK. This guide breaks down everything you need to know.


🔍 What Is Remortgaging?

Remortgaging is when you switch your current mortgage deal to a new one—either with your existing lender or a different provider. Homeowners usually remortgage to:


  • Get a better interest rate

  • Fix their payments for future stability

  • Release equity for home improvements or debt consolidation

  • Avoid moving onto their lender’s Standard Variable Rate (SVR)


⏳ What Happens When Your Fixed Mortgage Ends?

When your fixed-rate mortgage ends, you’ll automatically be moved onto your lender’s Standard Variable Rate. This rate is usually much higher than your fixed deal and can increase your monthly payments significantly.

Many homeowners in the UK are facing this change in 2025—so it’s vital to act early.

Don’t wait for your fixed deal to expire—you can usually secure a new rate up to 6 months in advance.


💸 Why Remortgaging in 2025 Could Save You Thousands

With market uncertainty and rising living costs, remortgaging at the right time can:


  • Lock in a competitive interest rate

  • Offer budget certainty over the next few years

  • Avoid the financial shock of jumping to a higher SVR

  • Allow you to release equity in your property if needed

By working with a whole-of-market broker like Your Mortgage Manager, you can compare options from high street lenders and specialist providers—not just what your current bank offers.


✅ How to Remortgage: Step-by-Step

Here’s how remortgaging in 2025 UK typically works:


  1. Review your current mortgage deal – Know your end date and if there are early repayment charges.

  2. Check your property’s value – This affects the loan-to-value (LTV), which impacts your rate.

  3. Gather your documents – Like payslips, ID, and bank statements.

  4. Speak to a mortgage adviser – We’ll search the market and explain your options.

  5. Secure your deal early – You can lock in a rate up to 6 months in advance of your current deal ending.

  6. Let us handle the paperwork – We liaise with the lender, solicitor, and insurer to make it stress-free.


📈 Remortgage Calculator

Want to get an idea of what your new monthly payments could be?

👉 Try our Remortgage Calculator (Coming soon – contact us for a personalised review now!)


🏡 Who Should Consider Remortgaging in 2025?

  • Homeowners with fixed-rate deals expiring in the next 6–12 months

  • Anyone who’s on a high SVR and hasn’t reviewed their mortgage recently

  • Those who want to borrow more or consolidate debts

  • Self-employed individuals or those with complex income

  • Anyone with adverse credit, who may now qualify for a better deal


🤝 Why Choose Your Mortgage Manager?

We understand every mortgage is different. Whether you’re looking to save money, borrow more, or just find peace of mind, we offer:


Whole-of-market access

Expert advice for self-employed & complex cases

Support with remortgaging, second charges, and protection

Ongoing reviews to keep you on the best deal


💬 Book Your Free Remortgage Review

Don’t leave your mortgage to chance in 2025. Let’s make sure you’re on the best deal possible.


📞 Call now: 0115 9902551


Your Mortgage Manager


Making mortgages make sense.

 
 
 

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Registered Address: 

26 Minster Gardens, Nottingham, NG16 2AT

Your Mortgage Manager Ltd trading as Your Mortgage Manager

Company Number 16153616

E: info@yourmortgagemanager.co.uk

T: 0115 990 2551

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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH REPAYMENTS ON YOUR MORTGAGE.

Your Mortgage Manager UK Limited (16153616) is not a mortgage intermediary. Your Mortgage Manager UK Limited makes introductions to CMME Mortgages & Protection Ltd to provide mortgage solutions. CMME Mortgages and Protection limited is registered in England and Wales (04886692) is authorised and regulated by the Financial Conduct Authority (414798).  

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