Right now, we're seeing a fascinating mix of clients. Some are coming off incredibly low rates they secured before interest rates shot up -- they've essentially weathered the storm for the last few years. Others fixed during the high-rate period and are now benefiting as rates start to drop.

Whatever your situation, the goal is the same: avoid your lender's Standard Variable Rate (SVR) at all costs. This is usually set well above the Bank of England base rate, and just one month on SVR can cost you hundreds in unnecessary interest payments.The biggest mistake we see? People leaving it too late. What used to be a three-month planning window now needs to be six months, thanks to slower legal processes and increased demand. That's why we contact our existing clients six months before their deal ends -- no nasty surprises, no rushed decisions.

This is where understanding your personal situation becomes crucial. Fixed rates give you certainty and protection from rate rises, but they usually come with Early Repayment Charges (ERCs) if you want to exit early.

Variable rates -- like tracker or discounted mortgages -- offer more flexibility. No ERCs typically means you can move freely and take advantage of rate drops when they happen.It comes down to your appetite for risk and where you are in your life cycle. Got young kids and need budget certainty? Fixed might be your friend. Confident about rate movements and value flexibility? Variable could work better.We present all the options and listen to your circumstances, personality, and goals before making our recommendation.