Answers · UK 2025/26
When does my UK fixed mortgage rate end?
Check your original mortgage offer letter, current statement, or lender online — typically 2, 3 or 5 years from completion date. Set a reminder 6 months before end-date to remortgage. Default after fix: Standard Variable Rate (SVR), usually 2-4 percentage points higher.
Full answer
Find your fixed-rate end-date on: original mortgage offer letter, annual statement, online banking app, or call lender. Typical UK fix lengths: 2-year (most common), 5-year (rate certainty), 10-year (rare, large premium). 6 months before end-date: start remortgaging research — early redemption charges (ERC) usually waived in last 3-6 months. Compare current rates via brokers (free, paid by lender) — L&C, Habito, John Charcol. Without remortgage: automatically moved to lender's Standard Variable Rate (SVR), typically 2-4 points above Bank Rate. Product transfer (stay with same lender) usually quicker and cheaper than full remortgage if you don't need extra borrowing. Best rates need <60% LTV.
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This answer is informational only and does not constitute financial, tax or legal advice. Figures are for the 2025/26 UK tax year. See our methodology and sources.