This article was published on 7 January 2026. At the time of publishing, this article was true and accurate, however, over time this may have changed. Some links may no longer work. If you have any concerns about this please contact us
The New Year is all about fresh starts, whether that means moving to a new home, improving your financial security, or planning ahead for the future. If your mortgage deal is due to end soon or you’re considering a move in 2026, now is the ideal time to take action. Acting early can give you access to a broader range of mortgage options and may help you secure a competitive rate. However, please note that mortgage rates can vary and are subject to change.
Why acting early matters
Mortgage rates and lender criteria can change quickly. Waiting until your current deal expires could mean paying a higher rate, or missing out on a wider range of mortgage options that may be available earlier. By starting the process early, you could:
- Avoid costly standard variable rates (SVR) when your deal ends
- Secure a competitive rate that works for you
- Plan with confidence, knowing your finances are secure
What should you do now?
- Check your current mortgage deal
Find out when your fixed or tracker rate ends. If it’s within the next six months, it’s time to start planning - Understand your options
Whether you’re remortgaging or buying a new home, the right advice could save you money over the life of your mortgage - Get expert guidance
Navigating the mortgage market alone can be overwhelming, especially with shift work and family commitments. Professional advice can help you make informed decisions without the stress.
Fee-Free mortgage advice service
We understand the unique needs of serving and retired Police Officers, Staff and their families. That’s why we’ve teamed up with Grange Mortgage & Protection Services Ltd to offer fee-free mortgage advice, giving you access to:
- Whole-of-market lenders for the best possible deals.
- Specialist knowledge of police pay structures and allowances.
- Flexible appointments to fit around your shifts.
You’ll be guided through every step, from comparing rates to securing the right mortgage for your circumstances, all at no extra cost.
Contact Grange Mortgage & Protection Services Ltd today for fee-free advice and start the year with confidence.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
PMGI Limited, trading as Police Mutual acts as an intermediary for the purposes of introducing its customers to Grange Mortgage & Protection Services Ltd. PMGI Limited is authorised and regulated by the Financial Conduct Authority. Grange Mortgage & Protection Services Ltd, is an Appointed Representative of PRIMIS Mortgage Network, a trading name of Advance Mortgage Funding Ltd. Advance Mortgage Funding Ltd is authorised and regulated by the Financial Conduct Authority.
If you take out a mortgage recommended by Grange Mortgage & Protection Services Ltd, PMGI Limited will receive a fee for the introduction which is a percentage based on the loan amount. We may also earn an additional fee based on performance of our account. If you wish to know the fee we receive please contact Grange Mortgages