In this episode of the Heron Financial Podcast, Matt is joined by Senior Mortgage Adviser Josh to answer one of the biggest questions homeowners have: when should you remortgage, and how do you avoid overpaying?

They break down why it often makes sense to start planning around 7 months before your current deal ends, what actually happens if you do nothing and roll onto a lender’s standard variable rate, and how a remortgage can be used as a wider financial reset — from changing your term and monthly payments to borrowing for home improvements or a future move.

Josh explains how the process works in practice, why remortgaging is usually simpler than buying, what to know about fees and legal work, and how lenders are increasingly rewarding energy-efficient “green” homes with improved affordability and product options. He also shares real examples of clients who’ve saved money by acting early, as well as those who unknowingly spent thousands more by staying on the wrong deal.

If your mortgage deal ends in the next 6–18 months, or you’re just not sure what you’re currently paying, this episode will help you understand your options and plan smarter.

This podcast provides general information, not personal advice. Recommendations depend on your circumstances and lender criteria.

If you would like to learn more, please do get in contact with us. All our details are on the website - https://heronfinancial.co.uk/