Fixed rate ending? Let’s see what’s out there.
If your deal is coming to an end, you could end up on your lender’s standard variable rate. It’s worth checking what else might be available — it only takes a couple of minutes.
Your rate comparison
Potential monthly savings
£324/monthWhat happens if you don’t switch?
When your fixed rate ends, your lender typically moves you onto their standard variable rate — which is usually quite a bit higher.
Do nothing
Rates typically higher — well above fixed deals currently available
Variable rate — can change at any time, making budgeting harder
No benefit — you’re paying more for nothing in return
Switch to a new deal
Lock in a competitive rate — fixed deals are typically lower
Predictable payments — you’ll know exactly what you pay each month
Peace of mind — protected from rate rises for 2–5 years
It’s pretty straightforward
No forms to fill in, no waiting on hold. Just a quick chat and you’ll see what’s out there.
Tell us about your mortgage
A quick chat about your current deal — what you owe, when it ends. No jargon, no paperwork.
⏱ ~90 secondsSee what’s available
Albot checks over 100 lenders and shows you options that could suit your situation.
⚡ Options shown quicklyTake your time
Look through everything at your own pace. If you’d like to go ahead, a qualified adviser handles the switch.
🎉 No pressureWhy do people switch with Albot?
We wanted to make switching your mortgage less stressful. Here’s what makes Albot different.
Quick and easy
See what’s available in about 90 seconds. No appointments, no waiting around.
Matched to you
Rates based on your actual situation — not generic figures or out-of-date deals.
Everything upfront
You’ll see all the costs before you go any further. No surprises.
Like talking to a friend
No forms or confusing jargon. Just a chat in plain English.
Don’t just take our word for it
Here’s what people have said after switching their mortgage.
Outstanding service. My situation was time-sensitive and not entirely straightforward, but everything was handled calmly and professionally throughout. I was kept informed at every stage and never felt rushed or left chasing for updates.
I’ve used them a few times for a mortgage — very professional, helpful and efficient. Would definitely recommend.
They helped me get a remortgage. I was informed of everything from start to finish and they were extremely helpful. Couldn’t be happier with the service I got.
Your questions answered
When should I start looking for a new deal?
It’s a good idea to start looking 3–6 months before your current deal ends. Most mortgage offers are valid for 3–6 months, so you can lock in a rate early and let it sit until your deal expires. That way, you’re covered if rates go up — and you won’t accidentally end up on the SVR.
What is the SVR and why should I avoid it?
SVR stands for Standard Variable Rate — the rate your lender moves you to when your fixed deal ends. It’s typically quite a bit higher than fixed rates currently available, and it can change at any time, making your payments unpredictable. Switching to a new fixed deal could save you a significant amount each month.
Will checking my options affect my credit score?
No. Getting a quote through Albot uses a “soft search” which doesn’t show up on your credit file and won’t affect your score. A hard search only happens if you decide to go ahead with a full application — and that’s standard for any mortgage.
Should I stay with my current lender or switch?
It depends on your situation. Staying with your lender (a “product transfer”) is often quicker and simpler — no valuation or legal work needed. But switching to a new lender might get you a better rate, especially if your home has gone up in value. We compare both options so you can see which could work better for you.
How long does switching take?
A product transfer with your existing lender can complete in days. A full switch to a new lender typically takes 4–8 weeks. Getting your options from Albot takes about 90 seconds — so the sooner you start, the more time you have to complete before your deal ends.
Are there fees for switching?
There may be arrangement fees, valuation fees, and legal costs — but many lenders offer deals with free valuations and legal work for switches. If you’re leaving your current deal early, you may also face early repayment charges. We show you all costs upfront so you can see whether switching makes sense.
Curious what’s out there?
It takes about 90 seconds, there’s no commitment, and it won’t affect your credit score.
See what’s availableRepresentative Example (Mortgages)
If you borrow £200,000 over 25 years, initially on a fixed rate for 5 years at 5.25% and for the remaining 20 years on the lender’s standard variable rate of 7.99%, you would make 60 monthly payments of £1,199.12 and 240 monthly payments of £1,393.46. The total amount of credit is £200,000. The total amount payable would be £418,263. The overall cost for comparison is 6.8% APR representative.
Albot is an introducer and technology platform, not a lender and not a mortgage broker. Applications submitted via Albot may be passed to Loan.co.uk Ltd, which provides mortgage advice, carries out suitability assessments, and arranges mortgages with lenders. Loan.co.uk Ltd acts as a mortgage broker, not a lender. Your home may be repossessed if you do not keep up repayments on your mortgage.