If you took out a two, three or five-year fixed mortgage a few years ago, 2026 could be an important year for you. Around 1.8 million homeowners are coming to the end of fixed-rate deals taken out in 2021, 2022 and 20231. As those deals expire, borrowers face a decision about what happens next and doing nothing may not always be the best outcome.

As the Christmas period approaches and household budgets come under extra pressure, many homeowners start searching for ways to manage their outgoings. Recently, however, the Financial Conduct Authority (FCA) has issued a firm warning about misleading information online that could leave borrowers worse off.

Applying for a mortgage often involves more scrutiny than people expect. One of the first things a lender looks at is your bank statements.

With the rise of automated services, one might expect borrowers to rely solely on technology when arranging a mortgage. Yet, findings from the L&G Mortgage Club indicate that the majority of people still value speaking with a real person during such an important financial decision.