Remortgage Deadline Calculator UK

Estimate the date to start reviewing your next mortgage step before your current fixed rate ends.

This calculator is for illustration only and provides estimates for general information. It is not mortgage advice, a mortgage offer, a decision in principle or a guarantee of rates, fees, eligibility or savings.

Remortgage Deadline Calculator

Use your fixed-rate end date to estimate when to start reviewing remortgage or product transfer options.

Fixed-rate end date Current mortgage balance (£) Current monthly payment (£) Known ERC before end date (£)

Start review from

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Fixed rate ends

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Timing status

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Days until review window —

Days until fixed rate ends —

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Estimate only. Many borrowers start reviewing options about six months before a fixed rate ends, but lender timelines, product availability, fees, eligibility and Early Repayment Charges vary.

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Email yourself a PDF summary of the figures currently shown on this calculator.

Calculator results are estimates only. Actual rates, fees, eligibility and products depend on your circumstances and lender criteria.

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How to use the timing estimate

The review date is set around six months before the fixed-rate end date entered. This is a planning guide only. Some lenders may let you reserve a new product earlier or later, and some offers have expiry dates that need checking.

What to check before deciding

Whether your existing lender has a product transfer option.
Whether switching before the end date would trigger an Early Repayment Charge.
Product fees, valuation fees, legal work and any broker or advice fees.
How long a new offer or reserved product rate can be held.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Frequently asked questions

When should I start looking at remortgaging? +

Many borrowers start reviewing options around six months before a fixed rate ends. Exact timing depends on lender rules, how long offers can be held, your circumstances and whether you are considering a product transfer or remortgage.

Does the calculator tell me whether to switch now? +

No. It estimates a planning window from the date entered. It does not compare actual products or make a regulated mortgage recommendation.

What if there is an Early Repayment Charge? +

Check your mortgage offer, lender statement or online account. An ERC may apply if you repay or switch before the charge period ends, and this can affect the overall cost.

What happens if my fixed rate has already ended? +

You may already be on a follow-on rate such as the Standard Variable Rate. Check your current mortgage account and speak with your lender or an adviser if you are unsure.

Suggested next steps

Help to Buy Remortgage Calculator GuideEstimate remortgage scenarios where a Help to Buy equity loan may need to be retained, repaid or partly repaid.Remortgage Affordability Calculator GuideEstimate whether a remortgage payment may fit your current income, balance, property value and term.Remortgage Deadline CalculatorEstimate when to start reviewing options before your fixed rate ends.

Calculator-led mortgage planning

UK Mortgage Calculators is centred on practical estimation tools. The pages help you model cautious scenarios before you decide whether to request a broker or adviser callback.

Remortgage Deadline Calculator UK