When does my Paragon Bank fixed rate end?
Like every UK lender, Paragon Bank moves you onto its standard variable rate the day your fixed or tracker deal ends. The gap between a competitive fix and an SVR is typically two to four percentage points, which on a buy-to-let balance is hundreds of pounds a month. The fix is knowing your date and working backwards.
Finding your Paragon Bank deal end date
- Your mortgage offer letter: the product end date is stated on the offer you signed.
- Your annual mortgage statement: sent every year; shows the current product and when it ends.
- Online account or app: most lenders, including Paragon Bank, show your product end date under your mortgage details.
Careful: the deal end date is not your mortgage term end. The term is the whole loan (say 25 years); the deal is the 2-year or 5-year product you are on now. The deal date is the one that costs you money when it passes.
The remortgage timeline, working backwards
6 MONTHS OUT
Start the clock. Most lenders let you secure a replacement deal up to six months ahead, and a new offer typically stays valid until your current deal ends. Rate-watching starts here, not at the last minute.
3 MONTHS OUT
Talk to a whole-of-market broker or check your lender's product-transfer options. A full remortgage to another lender usually completes comfortably inside three months; a product transfer with your current lender is faster but worth comparing, not defaulting to.
1 MONTH OUT
Decision time. If nothing is agreed, you have weeks before the standard variable rate starts. Product transfers can still complete this close; a full remortgage is now tight.
2 WEEKS OUT
Last call. From the day your deal ends, every day on the SVR costs you money. If you are here without a plan, a product transfer is usually the fastest exit.
Never track this in your head again
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CertWatch tracks deal end dates; it does not give financial advice. Rates and lender policies change: confirm details with Paragon Bank or a qualified broker.