Is Now a Good Time to Remortgage in 2026?

What is remortgaging?

Remortgaging means switching your mortgage to:

• A new deal with your current lender
• Or a different lender entirely

When should you consider remortgaging?

Common reasons include:

• Your fixed deal is ending
• You want lower monthly payments
• You want to release equity
• You are funding home improvements

Why 2026 could be an opportunity

Mortgage rates have become more stable, and lenders are offering a wider range of products again. [rettie.co.uk]

This creates opportunities to secure better deals.

What lenders look at

Before offering a new deal, lenders will review:

• Your income
• Your property value
• Your loan-to-value ratio
• Your credit history

Tips to get the best deal

• Start reviewing options 3 to 6 months before your deal ends
• Keep your credit file clean
• Avoid taking on new debt before applying

Final thoughts

Remortgaging is one of the easiest ways to reduce your monthly costs or access funds. Timing and advice are key to making the most of it.