If your fixed rate is due to end in the next six months, now is the time to act, not after the renewal letter lands. Lenders usually let you lock in a new rate three to six months ahead, which means you can secure today's pricing even if your current deal hasn't technically ended yet.

Start by checking your mortgage offer for the exact end date and any early repayment charges that might apply. Then look at your current financial situation. Has your income changed? Has your credit file improved or worsened? Has the value of your home moved? All of this affects what you'll be offered next.

From there, you've got two paths. You can stay with your existing lender and take whatever "product transfer" rate they offer, which is usually the easiest option but rarely the cheapest. Or you can remortgage properly, which opens up the whole market and often results in a better deal, though it takes more paperwork.

Don't assume your bank's rate is competitive just because it's convenient. Rates move fast, and the difference between the first offer and the best available offer can run into thousands over a fixed term.

Before your rate ends, it's worth getting proper trusted remortgage advice in Bolton so you're not left guessing.