My fixed-rate period is about to end

What happens when my fixed-rate period ends?

At the end of your fixed-rate period, your mortgage will change to a variable interest rate – the details will all be outlined in your agreement, and we'll write to you with details about it a few months before it changes. If you're paying by Direct Debit, we'll automatically adjust your payments and you won't have to do anything.

Can I switch to a new fixed-rate term?

If you prefer the peace of mind that your payments are fixed, we can look at refinancing your agreement with one of our latest offers. We can discuss your options over the phone - please follow the options below based on the product you hold whose fixed term is coming to an end.

Interested in switching to a new fixed term? Simply select the product type you wish to discuss with us


A personal product might be a loan or mortgage which is secured against your current home, a property you intend to live in, or one which you’ve inherited.

This could be a personal mortgage, a consumer buy-to-let mortgage, or a bridging loan or secured loan which isn’t used for business purposes.

Fix a personal product


A commercial product might be a mortgage with us which is secured against a commercial property, a buy-to-let property, multiple properties, or land.

Or, you may have a bridging loan or homeowner business loan which you’re using for investment or business purposes.

Fix a commercial product

You are likely to repay more overall if you select a longer-term mortgage to reduce your monthly payments.

Additional fees and charges are applicable. Lending is subject to an affordability and creditworthiness assessment.

Any property used as security, including your home, may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.

Together offer a range of regulated products and unregulated products. Together Personal Finance Limited are authorised and regulated by the Financial Conduct Authority (FCA) and offer products including but not limited to, first charge residential mortgages, second charge secured loans, Consumer Buy-to-Let mortgages and regulated bridging loans.

Our unregulated products are provided by Together Commercial Finance Limited and include but are not limited to unregulated bridging loans, Buy-to-let, Auction Finance and Development finance products.