If you have a [fixed rate mortgage](/mortgages/fixed-rate-mortgages/), you may be able to lock in another rate a few months in advance of your term ending, but don’t switch until it’s penalty free.
With a [variable rate mortgage](/mortgages/variable-rate-mortgages/) you’re not tied in so you can remortgage at any time. You should keep an eye on rates and consider [switching mortgages](/mortgages/guides/switching-mortgages/) when they're lower. Be aware of the costs involved in switching though as it could work out more expensive in the long run.
It’s worth looking for a mortgage well before your current fixed rate deal ends, or you risk spending time on the lender’s standard variable rate which will be expensive.
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