Fixed rate end date
Check when your current fixed rate period is due to finish.
Fixed-rate mortgage ending reminder
Your mortgage payment can change when your fixed rate ends.
Add your fixed-rate end date and Onremind will remind you before it ends, so you have time to review your lender’s options, speak to a broker and plan before the follow-on rate becomes the default.
Get reminded early
We remind you in good time, so you have time to act.
Save time and money
Check, switch, cancel or stay before it is too late.
Privacy first
We never access your bank or personal accounts.
Independent reminder system
Onremind is impartial and not affiliated to any provider.
Before the fixed rate ends
Before your fixed rate mortgage ends, check what changes next
Your fixed rate mortgage end date is the point where your current fixed rate period may finish. After that date, your mortgage may move to another rate or payment position.
The useful moment is before the fixed rate end date, while you still have time to check what happens next and decide what to do.
Follow-on rate position
Check what rate or payment position may apply after the fixed rate ends.
Monthly payment
Check whether your monthly mortgage payment may change after the fixed rate period ends.
Lender or broker timing
Check when to speak to your lender, broker or adviser before the fixed rate ends.
Fees and early repayment charges
Check whether any product fees, exit fees or early repayment charges may affect your review timing.
Mortgage documents
Check your mortgage offer, account information and any messages from your lender before the end date.
Onremind warns before the date so you have time to review the fixed rate end date, follow-on rate position, monthly payment, lender or broker timing, fees and documents.
You do not have to make the decision on the fixed rate end date.
Add the date early, then review before the window closes.
How Onremind works
How Onremind protects the window before the price changes.
Add the date once. Onremind tracks the countdown, reminds you early, and gives you time to review, negotiate, cancel, switch or stay before the renewal date arrives.
01
Set the date
Add the renewal, expiry or contract-end date once.
02
Onremind keeps watch
Sit back. We quietly track the countdown for you.
03
Reminders during the action window
We remind you while there's still time to review and decide.
04
The date arrives
The renewal, expiry or contract-end date is reached.
Then the cycle begins again.
- 01
Set the date
Add the renewal, expiry or contract-end date once.
- 02
Onremind keeps watch
Sit back. We quietly track the countdown for you.
- 03
Reminders during the action window
We remind you while there's still time to review and decide.
- 04
The date arrives
The renewal, expiry or contract-end date is reached.
Then the cycle begins again.
- 01
Set the date
Add the renewal, expiry or contract-end date once.
- 02
Onremind keeps watch
Sit back. We quietly track the countdown for you.
- 03
Reminders during the action window
We remind you while there's still time to review and decide.
- 04
The date arrives
The renewal, expiry or contract-end date is reached.
Then the cycle begins again.
Onremind protects the time before the price changes — not after.
The renewal date is the trigger. The renewal action window is the time Onremind protects.
Renewal resources
Fixed rate mortgage research, guidance and updates
These pages support the same decision point from three angles: fixed-rate evidence, practical timing guidance and current developments that may affect how you review before your fixed rate ends.
Report
Fixed Rate Mortgage Ending Report 2026
Research on fixed rate mortgage endings, follow-on rate risk and why mortgage holders should review before the fixed rate end date.
Guide
What to do before your fixed rate mortgage ends
Practical guidance on fixed rate end dates, follow-on rate position, payment changes and what to check before the fixed period ends.
Update
FCA remortgage rule changes before fixed rate end
A clear summary of FCA remortgage rule changes and what they may mean before your fixed rate mortgage ends.
More mortgage dates
Other mortgage dates to track
A fixed rate end date is one mortgage timing point. Onremind can also help you track a remortgage review date before your current deal ends.
Remortgage reminder
Track a review date before your fixed rate ends so you have time to check what happens next.
Remortgage reminderMortgage questions
Fixed rate mortgage ending FAQs
Quick answers to common questions about fixed rate mortgage end dates, follow-on rates, monthly payments and what to check before the fixed period ends.
Review your mortgage before the fixed rate end date, not on the date itself. The useful window is before the date, while you still have time to check the follow-on rate position, monthly payment, lender or broker timing and any fees.