Your mortgage can jump to SVR.Onremind gives you months to act.
Get a reminder months before your deal ends so you have time to review the next step before the fallback rate starts.
Get a renewal reminder- No bank access required
- Just the dates you already know
- 100% independent
How a fixed-rate mortgage ending works
Most UK fixed-rate mortgage products run for a 2, 3 or 5-year term.
Before the term ends, the lender notifies you that the deal is reaching its end date.
If no new product is agreed, the loan typically reverts to the lender's standard variable rate (SVR).
SVR is set by the lender and is usually higher than the previous fixed rate.
Each month on SVR carries a higher cost until a new product is in place.
Deal end mechanism
Fixed-vs-SVR decision trigger
Common fixed-rate end outcomes
These outcomes are predictable — and avoidable if you act before the deal end date.
SVR applies after the fixed term
Once the fixed deal ends, the lender's SVR typically applies until a new product is taken.
The decision window ends at the deal end date.
Remortgage runway is needed
A new product offer usually needs to be in place several months ahead of the deal end date.
Starting the remortgage process late can mean a stretch on SVR.
Product transfer is one option
Staying with the current lender on a new product is sometimes possible without a full remortgage.
The end-of-deal review is the moment to weigh the options.
Easy to miss the date
Deal-end notifications can be easy to overlook in a busy household.
After the end date, the SVR applies.
How Onremind protects you
Add the renewal date
The one listed in your policy or renewal email.
We track the countdown
Independently, in the background.
You get alerted early
While review, comparison and switching are still possible.
Illustrative fixed-rate end pattern
Deal end pattern (illustrative)
Illustrative pattern only — not a real user case. Without a review before the deal end date, the mortgage would have continued on SVR.
Fixed-rate mortgage research and updates
Evidence, timing guidance and current developments relevant to fixed-rate mortgage end dates.
UK Fixed-Rate Mortgage Ending Report 2026
Research on deal-end SVR exposure and why borrowers still need to plan before the end date.
Read the fixed-rate ending reportWhat to do before your fixed-rate mortgage ends
A short checklist for remortgage timing, product transfer and SVR before the deal end date.
Read the fixed-rate ending guideFCA remortgage rule changes — what they mean
A summary of recent FCA remortgage rule changes and what they mean before your fixed-rate ends.
Read the latest mortgage updateRelated mortgage dates
Other mortgage decision dates you can protect with a date-based reminder:
A fixed-rate ending is a date problem first.
SVR is the default after the fixed deal ends, not a decision.
A reminder before the end date keeps the remortgage decision on time.
See the matching remortgage reminder for the back-dated planning window.
See all how Onremind works, browse common questions, or read the UK Renewal Rip-Off Report for the wider picture.