The process of purchasing a first home is stressful, not only because there is a lot to do and there can be unexpected twists and turns in the steps, but because there is so much hope and anticipation in finding the right home and getting approval for the mortgage. It is no wonder that new homebuyers desire to simply exhale and sit back and relax in their new home. All of the things that were put on hold during the home buying process can now be attended to, and life can settle into a new normal.

That is why few first time home buyers quickly shift to the mindset of a how to get the best remortgage when their current mortgage deal ends. Yet, that is exactly what should happen, because shifting to a plan for a remortgage will set a homeowner up for getting the best remortgage for their needs when the time comes.

Most first mortgage deals are short lived, many come with variable rates attached to the Bank of England’s standard base rate, and few have the attractiveness of the remortgages that are currently on the market. While some homeowners will wait to shop for a remortgage when their current mortgage deal is about to end, some could benefit by choosing to end their current deal early. Even with the payment of fees for ending a deal early, some remortgages are worth it if they have low interest rates that are locked with a fixed rate for a durable term.

Making sure one is on time with their repayments, and paying attention to having the best credit history possible when it is time to remortgage will be beneficial in qualifying a homeowner for the better remortgage deals.

Owning a home is a large financial responsibility and looking to the future, planning, and taking action that will put one in the best position possible for an attractive remortgage months or years into the future is an important opportunity not to be missed.