Fixed Rate Ending Checklist
Our free fixed rate ending checklist takes you through what to do before your mortgage deal ends, from finding your end date to locking in your next deal. Print it and tick each box as you go, so you don't end up on your lender's standard variable rate by accident.
- 6 clear stages
- Printable tick boxes
- Checked 1 November 2026
What's inside the fixed rate ending checklist
A 2-page PDF you can print or save to your phone, with a notes page at the end.
- Find your key datesYour deal end date, early repayment charges and your lender's SVR
- Know where you standYour balance, loan-to-value, credit file and any plans to move
- Compare your optionsProduct transfer, remortgage or doing nothing, and the total cost of each
- Gather your documentsThe paperwork a new lender usually asks for
- Lock in your next dealApplying up to six months ahead and checking your offer
- Switch day and afterYour first new payment, your new end date and your paperwork
Get your free checklist
Enter your details and we'll email you the download link. You can also download it straight away.
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Download the PDFCommon questions
Is the checklist free?
Yes, it's completely free. Enter your first name and email, and we'll email you a link to the PDF. You can also download it straight away on this page.
When should I start using it?
Ideally about six months before your fixed rate ends. Many lenders let you arrange a new deal up to six months ahead, and mortgage offers usually last three to six months, so starting early gives you time to compare.
Will you send me other emails?
Only if you tick the separate box to join The Owl's Nest, our free newsletter. Getting the checklist doesn't sign you up to anything else, and you can unsubscribe from the newsletter at any time.
Is this financial advice?
No. The checklist is general educational information to help you plan. It doesn't recommend particular mortgages, lenders or deals. For a personal recommendation, you can speak to an FCA-authorised mortgage adviser.
Guides and tools for when your deal ends
Mortgage Owl provides general educational information only, not regulated financial advice, and doesn't recommend particular mortgages, lenders or deals. Your home may be repossessed if you do not keep up repayments on your mortgage.
