Start too late and SVR can apply.Plan before the deadline gets too close.
Get a reminder before your current deal ends so you can start reviewing options while there is still time.
Get a renewal reminder- No bank access required
- Just the dates you already know
- 100% independent
How the remortgage window works
A remortgage is a new mortgage product taken on the property when an existing deal ends.
The application, valuation and offer take time to complete.
An offer usually needs to be in place several months ahead of the existing deal end date so the new product can start cleanly.
If the new product isn't ready in time, the loan typically sits on the lender's SVR until it is.
The back-dated reminder window matters as much as the end date itself.
Remortgage mechanism
Back-dated planning trigger
Common remortgage timing outcomes
These outcomes are predictable — and avoidable if you act before the deal end date.
Clean handover to new product
When the new offer is ready on time, the new product starts the day the old one ends.
This is the outcome the back-dated reminder is designed for.
Stretch on SVR
Starting the remortgage too late typically means a period on SVR while paperwork completes.
Each month on SVR is a quiet cost decision.
Product transfer fallback
Staying with the current lender on a new product can sometimes be arranged faster than a full remortgage.
The back-dated review is the moment to weigh both.
Easy to miss the runway
End-of-deal notifications often arrive too close to the date for a full remortgage process.
After the end date, SVR applies until a new product completes.
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 remortgage timing pattern
Timing pattern (illustrative)
Illustrative pattern only — not a real user case. Starting the remortgage process too late typically means a stretch on SVR.
Remortgage timing research and updates
Evidence, timing guidance and current developments relevant to remortgage windows.
UK Remortgage Timing Report 2026
Research on remortgage runway, completion times and why timing matters more than ever.
Read the remortgage timing reportWhen to start remortgaging before your deal ends
A short timing guide for starting the remortgage process with enough runway.
Read the remortgage timing guideMaturing fixed-rate deals — what they mean
A summary of the wave of maturing fixed-rate deals and what it means for remortgage timing.
Read the latest remortgage updateRelated mortgage dates
Other mortgage decision dates you can protect with a date-based reminder:
Remortgaging is a calendar problem.
The back-dated reminder is the planning trigger, not the deal end date itself.
Onremind protects the window so the remortgage decision is taken in time.
See the matching fixed-rate ending reminder for the end-date side of the same decision.
See all how Onremind works, browse common questions, or read the UK Renewal Rip-Off Report for the wider picture.