Is Your Mortgage Deal Under 2% and Ending in September? You’re Not Alone — And the Clock’s Ticking
Hi, I’m Ian Rogers from C A Mortgage Services, and I want to talk to you today about something that’s affecting thousands of homeowners across South Wales — and it might be affecting you too.
If your current mortgage deal is under 2% and set to end in September, you’re not alone.
Over the last few years, we’ve seen an unprecedented period of ultra-low interest rates. Many people secured fantastic fixed-rate deals around 1% to 2% — and let’s be honest, they felt like a dream. But those days are gone. And if your deal is one of them and it ends soon, you need to act now.
What’s happening?
Interest rates have risen significantly in the last 12–18 months. Right now, the rates available for new deals are much higher than what many homeowners have been used to. On top of that, lenders have become slower to process applications. It’s taking longer to get offers, and the best rates don’t hang around for long.
Every week I’m hearing from people who’ve waited too long — assuming they had plenty of time — only to find themselves stuck on their lender’s Standard Variable Rate (SVR), which can be 6% or more. That’s a huge jump in monthly payments, especially in today’s cost-of-living climate.
Don’t leave it until the last minute
One of the biggest myths I hear is:
“I’ll sort it closer to the time.”
Unfortunately, that approach doesn’t work anymore. With many lenders taking up to four weeks (or longer) to process an application, your window to lock in a good deal can close very quickly — and often without warning.
The truth is: once your mortgage offer expires, you’re at the mercy of whatever the rates are at that moment. If the market shifts (and it often does), you could miss out on hundreds or even thousands of pounds in savings over the life of your mortgage.
The good news? You can plan ahead
I’m already helping clients with mortgage deals ending in September, October, and beyond. The earlier you get in touch, the more options we have. Many lenders will allow you to secure a new deal up to six months in advance. That means we can lock in a better rate now and keep your payments affordable — all without the stress of rushing around last minute.
And if something better comes up before your current deal ends? No problem — we can switch again. It’s all about having a plan and making sure you don’t get caught out.
What should you do?
Simple — if your mortgage deal is ending soon (especially if it’s before the end of the year), send me a message today. I’ll walk you through your options, look at what rates are available now, and help you secure the right deal for your situation.
No jargon. No pressure. Just clear advice and a straightforward process.
Let’s take the stress out of this — and make sure you’re not one of the homeowners paying more than you need to.
📩 Message me today or call 07780 925185 to get started.
Ian Rogers
C A Mortgage Services – Helping South Wales homeowners make smart mortgage moves.
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Ian Rogers : 07780925185