It is sensible to start reviewing a mortgage remortgage around six months before your current fixed or discounted deal ends, although check whether your lender allows an earlier application. Compare the new rate alongside arrangement fees, valuation or legal costs, and any early repayment charge, as a lower rate may not be cheaper overall. A lender will usually assess your income, outgoings, credit history and loan-to-value, so approval and the rate offered depend on your circumstances. An FCA-authorised mortgage adviser can help compare suitable options and explain the costs.