BoE Base Rate3.75%
Avg 2yr Fixed4.79%Jul 2026
Avg 5yr Fixed4.61%Jul 2026
Avg SVR6.60%Jul 2026
Bank of England · Jul 2026
Managing Your Mortgage

Managing Your Mortgage

Once you've bought, the decisions don't stop — this cluster covers overpaying, remortgaging and managing your deal to keep your mortgage working for you. More guides coming soon.

Pillar Guide
Remortgaging Explained
Product transfer or switch lender? What it costs, what changed in the 2025 rules, and how to tell whether switching actually pays.
~18 minRead →
Mortgage
Should You Overpay Your Mortgage?
When overpaying pays off, the 10% early-repayment-charge rule, reducing your term vs your payment, and how overpaying can move you into a better LTV band.
9 min readRead →

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