Review your mortgage before your current deal ends

Compare your current lender against suitable alternatives and understand your options before moving onto a standard variable rate.

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Overview

Review your mortgage before the deal ends

A remortgage is usually worth reviewing before your current fixed, tracker or discounted deal finishes. Waiting until the last moment can reduce your choices and may leave you exposed to a lender standard variable rate. AJM can compare your current lender options with suitable alternatives, explain any fees or early repayment charges, and help you decide whether a full remortgage or a simpler rate switch is more appropriate.

Before you apply

What to understand and prepare

Key points

When your current deal ends and whether an early repayment charge still applies.
Whether your property value, income or credit profile has changed since your last mortgage.
Whether you want to change the mortgage term, payment type or borrowing amount.
The total cost of switching, including fees, legal work and valuation requirements.

Documents that may help

Current mortgage balance, deal end date and lender details.
Recent payslips or income evidence and bank statements.
An estimate of your property value and any plans for extra borrowing.

How AJM helps

Timing the review
Comparing lender options
Handling the application and switch

Practical guidance

Common questions about remortgages

How early should I review my remortgage options?

Many borrowers start looking several months before the deal ends, so there is time to compare options and arrange the next step before the current rate finishes.

Is remortgaging always better than a product transfer?

No. A product transfer can sometimes be simpler. AJM can compare both routes so you understand the trade-offs before deciding.

When should I speak to AJM?

If you are unsure which route fits, AJM can review the basics and point you towards the next sensible step.