If you took out a two, three or five-year fixed mortgage a few years ago, 2026 could be an important year for you. Around 1.8 million homeowners are coming to the end of fixed-rate deals taken out in 2021, 2022 and 2023. As those deals expire, borrowers face a decision about what happens next and doing nothing may not always be the best outcome.
After a few uncertain years for the housing market, there may be some steadier news for homeowners. According to new figures from Rightmove, UK house prices are expected to rise by around 2 per cent during 2026, marking a modest improvement after a relatively flat period.
As your mortgage broker, we regularly speak to clients who are focused on the obvious household costs: mortgage payments, energy bills, council tax. Home insurance often gets treated as a simple renewal.
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