Fixed rate ending? Don’t panic.
Your deal is ending and you’re about to hit your lender’s expensive SVR. Find a better fixed rate in seconds—before your payments jump.
Your rate comparison
Potential monthly savings
£324/monthWhat happens if you do nothing?
When your fixed rate ends, you automatically move to your lender’s standard rate—and it’s almost always much higher.
Do nothing
Rates typically higher — well above fixed deals currently available
Variable rate — can rise at any time, making budgeting hard
No benefit — you’re paying more for nothing in return
Switch to a new deal
Lock in a competitive rate — typically lower on fixed deals
Predictable payments — know exactly what you’ll pay each month
Peace of mind — protected from rate rises for 2-5 years
Switching made ridiculously simple
Forget the stress. Albot handles the hard work so you don’t have to.
Tell us about your mortgage
A quick chat about your current deal, what you owe, and when it ends. No jargon, no paperwork.
⏱ ~90 secondsSee your best options
Albot searches 100+ lenders in real-time and shows you the deals that actually match your situation.
⚡ Instant comparisonSwitch with confidence
Pick your deal and our experts handle the switch. We keep you updated every step of the way.
🎉 Stress-free switchSwitching without the headache
We built Albot to take the pain out of finding a new mortgage deal.
Lightning fast
Get your personalised comparison in 90 seconds. No waiting days for a callback.
Accurate matching
Live rates matched to your exact situation—not ballpark figures or outdated deals.
Totally transparent
See everything upfront. No hidden fees, no surprises—just honest advice.
Effortlessly simple
Chat with Albot like texting a friend. No forms, no jargon, no stress.
People love switching with Albot
Join thousands who’ve found a better mortgage deal.
My fixed rate was ending and I was dreading the SVR. Albot found me a deal that actually reduced my payments. Wish I’d done it sooner!
Remortgaged to fund our extension. The whole process was so much easier than I expected—Albot explained everything in plain English.
Rolled all my credit cards into the remortgage—now I have one payment instead of six. My monthly outgoings dropped by over £400.
Your questions answered
When should I start looking for a new deal?
Start 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. This way you’re protected if rates rise, and you won’t accidentally roll onto 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 7-9%, much higher than fixed rates currently available. It can also change at any time, making your payments unpredictable. Switching to a new fixed deal almost always saves money.
Will checking my options affect my credit score?
No. Getting a quote from Albot uses a “soft search” which doesn’t show up on your credit file and won’t affect your score. Only when you proceed with a full application does a hard search happen—and that’s standard for any mortgage application.
Should I stay with my current lender or switch?
It depends. Staying with your lender (a “product transfer”) is often quicker and simpler—no valuation or legal work. But switching to a new lender might get you a better rate, especially if your home has increased in value. We compare both options so you can see which saves you more.
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 quote from Albot takes just 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 if switching is worth it.
Ready to find a better deal?
See what you could save in just 90 seconds. No commitment, no credit check impact.
Find my new rateRepresentative 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.