When should I start looking for a new mortgage?

If you don't actively remortgage or switch products when your current deal ends, you'll typically move onto your lender's standard variable rate — usually a higher rate.

It's generally worth starting the conversation around three to six months before your deal ends, giving enough time to review the market and complete any switch without a gap.

Even if you decide to stay with your existing lender, it's worth knowing what else is available before you decide.