Book a free, no-obligation mortgage appointment Book now
01772 846147 Free appointment
Back to News

When Should You Speak to a Mortgage Broker?

15/07/25

When Should You Speak With a Mortgage Broker?

Buying a home or remortgaging can feel like a maze, especially with all the talk about interest rates and market changes. If you’re wondering when you should speak with a mortgage broker, you’re not alone. Let’s make it simple and easy to understand.

Why Timing Is So Important

Mortgage rates have been unpredictable recently, and many homeowners are asking the same question: should I fix my mortgage rate before 2026? The answer depends on your circumstances, your goals, and what’s happening in the market.

Speaking with a mortgage adviser early can help you make informed decisions. Whether you’re in Preston, Tarleton, or Southport, getting advice before your current deal ends could save you money and stress.

Before You Start House Hunting

If you’re a first-time buyer, talking to a mortgage broker before you start looking for a property is a smart move. A broker can explain how much you can borrow, what your monthly payments might look like, and which lenders are most likely to approve your application.

Mortgage Advice Hut understands the property market and can guide you through schemes that might help, like shared ownership or first-time buyer incentives. The earlier you get advice, the more confident you’ll feel when making an offer.

When Your Current Deal Is Ending

If your fixed rate is due to end in the next six months, now is the time to act. Waiting until the last minute could mean rolling onto your lender’s standard variable rate, which is often much higher. Our friendly advisers in Lancashire can help you compare deals and lock in a new rate before your current one expires.

Many homeowners are asking if they should fix their mortgage rate before 2026. With rates still uncertain, speaking to an adviser gives you clarity and options tailored to your situation.

When You’re Moving Home

Planning to move? Whether you’re upsizing, downsizing, or relocating within Lancashire, a mortgage adviser can help you figure out the best way to finance your move. Sometimes it makes sense to port your existing mortgage, other times a new deal is better. A broker will explain the pros and cons so you can make the right choice.

When You Want to Remortgage for a Better Deal

Even if your current deal isn’t ending soon, it might be worth checking if you can switch to a better rate. This is especially true if your home has gone up in value or your financial situation has improved. Remortgage advice from a local broker can help you reduce your monthly payments or release equity for home improvements.

When You’re Worried About Rate Changes

If you’re concerned about rising interest rates, don’t wait until it’s too late. Fixing your mortgage rate before 2026 might give you peace of mind, but it’s not always the best option for everyone. A mortgage adviser in Preston can review your circumstances and explain whether fixing now makes sense for you.

Why Speak to a Local Broker?

Working with our advisers means you get advice that’s relevant to your area. They know the local property market, understand regional lenders, and can often access deals that aren’t available online. Plus, you’ll have someone you can call or meet in person if you need support.

Summary

The best time to speak with a mortgage broker is before you make a big decision—whether that’s buying your first home, moving, or remortgaging. If you’re asking yourself, should I fix my mortgage rate before 2026?, the answer depends on your personal situation, and a local adviser can help you figure it out.

Ready to Get Started?

If you’re in Preston, Tarleton, Southport, or anywhere in Lancashire and beyond, we’re here to help. Get in touch today for friendly, no-obligation mortgage advice. Whether you’re a first-time buyer, a home mover, or looking for remortgage advice, we’ll guide you every step of the way.

A MOTGAGE IS A LOAN SECURED AGAINST YOUR HOME OR PROPERTY.

YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME.

YOU MAY HAVE TO PAY AN EARLY REPAYMENT CHARGE TO YOUR EXISTING LENDER IF YOU REMORTGAGE

 

Get a Quote.

Risk Warning This quote is for illustration purposes only and does not constitute a formal mortgage offer. The figures provided are based on current interest rates and available products at the time of this illustration and may vary depending on lender criteria, your personal circumstances, and market conditions at the time of application. Please be aware that all mortgage offers are subject to affordability assessments, credit checks, and a formal valuation of the property. Fees, terms, and conditions may apply. For a detailed, personalised offer, further discussions and a full application will be required. Your home may be repossessed if you do not keep up repayments on your mortgage. You may have to pay an early repayment charge to your existing lender if you remortgage.