The 2025 Landscape: Stability and Choice
When your fixed rate ends, your lender won’t just forget about you. They’ll automatically move you onto their Standard Variable Rate (SVR). Whilst it’s normally important to avoid this, the reasoning in 2025 is sharper than ever.
Interest rates are forecast to be more stable than in recent years, yet lenders’ SVRs tend to remain significantly higher than the competitive fixed deals on the market. Sliding onto the SVR could mean voluntarily accepting a much higher monthly payment, or alternatively, it could provide immediate benefits.
Your 2025 Opportunity: A Borrower’s Market
This is where you take control. You have a window of time before your deal ends to lock in a new rate. The great news is that right now, lenders are actively competing for your business.
You have two primary paths:
1. The Product Transfer: A simple switch to a new deal with your current lender. It’s often fast and requires less paperwork. 2. The Full Remortgage: Shopping the entire market to see if another lender can offer you a better overall package.
The question is, should you act and if so, which of these options is the most strategic move for your finances.
Why Your First Call Should Be to an Advisor In 2025, the “stay or switch” dilemma is the central question. Your current lender might value your loyalty with a decent offer. But is it the best offer? A whole-of-market mortgage advisor has the answer. They can look beyond the headline rate and consider:
• The 2-year vs. 5-year fix: Do you prioritise flexibility, hoping rates will fall, or do you lock in longer-term certainty? • Fees and Incentives: How do product fees impact the true cost of the deal? • Your Changing Circumstances: Has your income or property value changed, potentially giving you access to better loan-to-value rates?
A financial advisor does the legwork, compares the true cost of every option, and gives you the clarity to make a confident decision.
The Bottom Line…
The end of your fixed rate is a scheduled financial health check. It’s your chance to reassess, potentially save money, and secure your financial comfort for the next few years. Don’t let it become a missed opportunity.
If your mortgage is due for renewal at the end of 2025 and you haven’t taken action, now is the time. Contact our nearest office and we will be happy to refer you to one of our trusted partners for a review of your options.
Stay up to date with the latest property news, expert insights, and valuable tips — sign up for our newsletter to receive information directly to your inbox.
Δ
