| Remortgage applications have risen sharply as pandemic-era fixed deals come to an end | Shorter-term mortgage fixes are gaining popularity in uncertain interest rate conditions | Landlords are increasingly refinancing to improve returns and release equity |
Remortgaging is firmly back in focus. Recent analysis1 shows applications surged by around 45% in Q1 2026, driving overall mortgage activity significantly higher.
This spike is largely due to homeowners coming to the end of low fixed-rate deals secured during the pandemic, prompting many to review their options and avoid moving onto higher standard variable rates.
With millions of fixed-rate mortgages maturing, demand for refinancing is expected to remain strong. At the same time, there has been a noticeable shift towards shorter-term fixes, giving borrowers flexibility in an uncertain rate environment. This highlights how remortgaging is no longer just about securing a better rate; it’s about managing risk and future-proofing household finances.
The impact of remortgaging is also being felt in the buy-to-let sector. UK Finance data shows lending in this market rose sharply, up over 18% by volume year-on-year. Landlords are increasingly refinancing to improve returns, restructure borrowing or release equity for further investment.
Whether you’re a homeowner or landlord, remortgaging offers an opportunity to reassess your mortgage in line with your current goals. With so many variables at play – rates, terms and product types – expert advice can help you secure the most suitable deal and may help your mortgage work harder for you.
1Stonebridge 2026
As a mortgage is secured against your home or property, it could be repossessed if you do not keep up mortgage repayments.
