How soon you can switch your mortgage…. You can usually change your deal up to six months before your current one ends. That gives you time to lock in a new rate early. If you switch too soon, you might pay an early repayment charge. The goal is to line up your new deal so it starts right after your current one ends. A broker can help you time it perfectly. That way, you never roll onto a higher standard rate. Your home may be repossessed if you do not keep up repayments on your mortgage. | A Ni
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