PFL Mortgages > Guides and advice > Your Mortgage Review Checklist for Autumn

Your Mortgage Review Checklist for Autumn

With Autumn approaching, it’s a smart time to take stock. Proactive checks can save thousands over the life of your loan.

  1. Review your mortgage rate: If you’re on a variable rate, consider whether fixing could be a better long-term option after rates fell in August 2025 (the base rate moved from 4.75% to 4%). Starting early lets you lock in competitive terms.
  2. Revisit protection policies: Life changes. Ensure life cover, critical illness, and income protection still fit your needs.
  3. Check your credit report: Correct errors and avoid unnecessary new credit. Many banks now show your score in-app or online.
  4. Understand loan terms and affordability: With criteria loosening, reassess borrowing against income and expenses—changes in employment or costs affect your options.

The Cost of Waiting

Letting your deal roll onto a lender’s SVR can mean paying significantly more each month—adding up to thousands over a year. Acting early helps you avoid that.

Next step: Get in contact to review options and make sure your mortgage is working hard for you.

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