Year: 2026

Approaching the end of your fixed-rate mortgage in 2026 means facing a fork in the road: remortgage onto a new deal or sell up and move on. The costs and timelines for these two paths differ dramatically. Remortgaging typically costs between £1,000 and £3,000 when you factor in arrangement fees, valuation charges, and legal costs, with the process taking four to eight weeks from application to completion. Selling your home, by contrast, involves estate agent fees of 1% to 3% of your property value, conveyancing costs around £1,500 to £2,500, and Energy Performance Certificate expenses, with the entire journey from listing to handing …