2026 Market Update: Rates Falling
The "Big Switch" Calculator
With 1.8 million fixed-rate deals expiring, 2026 is the year of the remortgage. Compare your current rate (e.g., 6%) against forecast 2026 rates (approx. 4%) and see your potential savings.
Mortgage Details
Enter your current mortgage details to see your potential savings.
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Ready to Compare?
Enter your mortgage details to see how much you could save by remortgaging in 2026.
Rates are Falling
The Bank of England base rate is forecast to continue falling through 2026. This means cheaper mortgage deals are returning to the market.
Timing is Key
Most lenders allow you to lock in a new rate up to 6 months before your current deal ends. Don't wait until the last minute.
Affordability Checks
Lenders are stress-testing at lower levels now. Use our calculator to see if you can afford to borrow more or reduce your term.