{"id":4441,"date":"2025-11-25T10:00:36","date_gmt":"2025-11-25T09:00:36","guid":{"rendered":"https:\/\/pfadvisors.co.uk\/?p=4441"},"modified":"2025-11-17T23:45:02","modified_gmt":"2025-11-17T22:45:02","slug":"is-your-fixed-rate-mortgage-coming-to-an-end","status":"publish","type":"post","link":"https:\/\/pfadvisors.co.uk\/en\/is-your-fixed-rate-mortgage-coming-to-an-end\/","title":{"rendered":"Is Your Fixed-Rate Mortgage Coming to an End?"},"content":{"rendered":"

This winter, more than 350,000 UK households<\/strong> are expected to face a sharp rise in their mortgage repayments<\/strong>, as many fixed-rate deals from the era of ultra-low interest rates come to an end.<\/p>\n

Most of these expiring deals are five-year fixes<\/strong> taken out between October 2020 and February 2023<\/strong>, when interest rates were below 2%<\/strong>.<\/p>\n

 <\/p>\n

What\u2019s Next for Borrowers? Considered remortgaging<\/a>?<\/strong><\/p>\n

As these mortgages expire, many homeowners will be moved onto new, higher fixed rates<\/strong>, leading to significant increases in monthly payments.<\/p>\n

For instance, a homeowner with a \u00a3200,000 mortgage<\/strong> could see repayments rise by around \u00a3333 per month<\/strong> if refinanced at a 5% fixed rate<\/strong> \u2014 that\u2019s nearly \u00a34,000 more per year<\/strong>. Those with larger balances will feel an even greater impact.<\/p>\n

 <\/p>\n

Time to Review Your Mortgage Strategy<\/strong><\/p>\n

With rates now much higher than they were just a few years ago, reviewing your mortgage options early<\/strong> has never been more important. A timely check could help you secure a better deal<\/strong> and avoid paying more than necessary<\/strong>.<\/p>\n

If your fixed-rate period is ending soon, don\u2019t wait until the last minute. Start exploring your options now \u2014 the earlier you act, the more flexibility you\u2019ll have.<\/p>\n

 <\/p>\n

We\u2019re here to help you navigate today\u2019s complex mortgage market<\/strong> and find the solution that best fits your financial goals.<\/p>\n

 <\/p>\n

Like us on Facebook >><\/a><\/strong><\/p>\n

\ud83d\udea8 Data accurate as of the date of publication<\/p>\n

\ud83d\udea8 The above material is for informational purposes only and does not constitute a sales offer or financial advice. Before taking out any insurance, mortgage, credit agreement or other financial product, you should obtain individual advice on your requirements and the general terms of the contract.<\/p>\n

Source: Quilter Financial Services \u2013 Essentially Mortgages Q4 2025<\/p>\n","protected":false},"excerpt":{"rendered":"

This winter, more than 350,000 UK households are expected to face a sharp rise in their mortgage repayments, as many fixed-rate deals from the era of ultra-low interest rates come to an end. Most of these expiring deals are five-year fixes taken out between October 2020 and February 2023, when interest rates were below 2%. […]<\/p>\n","protected":false},"author":1,"featured_media":4439,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[39,40],"tags":[],"class_list":["post-4441","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mortgage","category-remortgage"],"acf":[],"yoast_head":"\nIs Your Fixed-Rate Mortgage Coming to an End? - Prestige Financial Advisers<\/title>\n<meta name=\"description\" content=\"Is your fixed mortgage rate ending? Learn how to avoid payment increases and secure a better deal. 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