MortgageWise.ie

Chapter 3 of 10 · Rates, lenders and switching · Fixed rate ending reminder

Fixed rate ending reminder

When does my fixed rate end?

Checked 21 Oct 2026the Consumer Protection Code 2025 (in force 24 March 2026).

A fixed rate ends on a set date. If you do nothing, your lender moves you to its variable rate, which is usually dearer. Enter your email and the date, and we email you 90 days and 30 days before it, with the five steps to switch. This is the one tool on the site that sends anything: your email address and that one date, nothing else.

The reminder

Where do we send it, and when does your fixed rate end?

This sends your email address and the date to MortgageWise. Nothing else is sent, and nothing else is kept.

The switching checklist

What to do when the reminder lands

If you do nothing when a fixed rate ends, your lender moves you to its variable rate, which is usually dearer. The five steps in each reminder email:

  1. Ask your lender in writing what rates it will offer you. It must tell you about a cheaper one it has.
  2. Compare every lender. The switcher rates.
  3. Work out the real saving after fees. The switching calculator.
  4. Switching takes 6 to 10 weeks, so start now.
  5. A solicitor is needed to switch; many lenders pay towards it.

Your three choices when a fixed rate ends: fixed rate ending. The steps in full: switching your mortgage. What it costs: the cost of switching.

We keep your email address and the one date you enter, and nothing else: no name, no lender, no balance. The first email asks you to confirm; nothing is sent until you do. Every reminder has a link that stops them, and the reminder is not advice on what to do when the rate ends.

Sources: Central Bank of Ireland: Consumer Protection Code 2025 (checked 2026-10-21) · CCPC: switching your mortgage

Information, not advice. This tool applies the published rules to the figures you enter. It does not say what a lender will offer you, what a home is worth, or what is right for your money. Everything runs in your browser and nothing you type is sent to this site. Last checked 2026-10-21. MortgageWise is an independent site, not connected with the Central Bank of Ireland, Revenue, the Housing Agency, any local authority, any lender or any Government department. It is not a lender, a mortgage broker, a credit or insurance intermediary, a solicitor, a tax adviser or a financial adviser. It covers the Republic of Ireland only. Before you sign anything, talk to a solicitor and, for advice on a mortgage, to an advisor regulated by the Central Bank of Ireland.