Fixed Rate Expiry Planner
Calculate your new mortgage payment when your fix ends and check affordability. Then add your other debts — credit cards, loans, car finance — to see if consolidating them to a secured rate (typically ~8.9% vs 20–40% unsecured) could free up significant monthly cash and help offset your first charge rate rise.
Your mortgage
Pre-set to avg. 2yr fixed (Mar 2026). Adjust to your lender's SVR if known.
Fix ends
Monthly take-home (optional)
Enter to see debt-to-income ratio.
Mortgage payment
Now
£890
/mo
After
£1,261
/mo
Monthly increase
+£371
Annual increase
+£4,450
3 months to act — start searching today
3moNo credit impact · FCA-authorised · Call within 1 working day
Common questions
For illustration only. Not financial advice. Your home may be repossessed if you do not keep up repayments on a mortgage. Think carefully before securing other debts against your home. Loan.Wales is a trading style of Charles Frank Finance Limited, FCA-authorised credit broker (FCA No. 624668). Not a lender. 18+. Subject to status.
Your other debts
Add any debts to see your full monthly picture.
Add any credit cards, loans or finance to see your total monthly commitment after your rate changes.