Once you own a home, it is easy to put everything on autopilot. Your mortgage ticks along, insurance renews automatically and paperwork stays filed away. But over time, small details can drift out of line with your circumstances, sometimes without you realising. As we move through 2026, there are a few sensible checks worth making.

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.

A mortgage product transfer means staying with your current lender but moving to a new deal once your existing rate comes to an end. Remortgaging means replacing your current mortgage with one from a different lender.

Homeowners whose fixed-rate mortgage deals expire in early 2026 are being urged to start planning ahead, as a new wave of rate rises and higher payments could be on the horizon.

With interest rates at record lows during the pandemic, many borrowers could expect to see their monthly repayments rise.

Exploring the attractive alternative towns and villages surrounding Brighton.

Your 5-year fixed rate is coming to an end. What can you do next?

Learn what to expect for a remortgage or product transfer and how to prepare financially.

Key considerations to decide if remortgaging is right for you.

Understanding the difference between a remortgage and product transfer.

These rate cuts signal a positive trend for both prospective homebuyers and those considering remortgaging.

Knowing when to remortgage your property and if it's the most suitable option for you.

Securing a mortgage as a contractor can be challenging, but there are things you can do to improve your chances.

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