Your fixed rate is ending. See what happens next.
United Kingdom · 173 pages · by JP O'Connor
When Your Fix Ends.
The UK Mortgage Handbook
Remortgage or product transfer, escape the Standard Variable Rate, and cut credit card, overdraft and car finance costs.
Your fixed deal is ending. Doing nothing is the expensive option.
- The product transfer that needs no affordability check at all
- When an early repayment charge is worth paying, and when it never pays back
- What the Standard Variable Rate costs against a new fix, on your own balance
- A 90-day plan, template letters to your lender and a one-page checklist
The 10 free calculators from the book
Each one matches a chapter. Put in your own numbers and get your answer straight away.
Nothing you type here leaves your phone. We don't store it and we can't see it.
- UK1What your new payment will beYour fix ends. Here is the number
- UK2The cost of doing nothingThe SVR against a new fix
- UK3Remortgage or stay putProduct transfer against a new lender
- UK4Is the early repayment charge worth payingLeave early, or sit it out
- UK5Two years or fiveThe break-even rate, worked out
- UK6Extend the term or go interest-onlyCheaper now, dearer later
- UK7Does the balance transfer payThe fee, the 0% window, the leftover
- UK8Your voluntary termination pointThe half nobody explains
- UK9Which debt to clear firstHighest rate against smallest balance
- UK10Your 90-day planThree months, dated, with your numbers in
Who wrote it
JP O'Connor is a Gold Coast property owner, SMSF trustee and body corporate chairperson. He is not a financial adviser, broker, accountant or lawyer, and the book never pretends otherwise. It explains how the rules work, shows the math with worked examples, and names exactly who to take it to.