When can I lock in a new mortgage rate?

[user160522]

First time buyer here. Renewing my mortgage for the first time this year as my fixed period comes to an end.

Renewal is due November.

How soon can I lock in a new rate? Should I do it sooner rather than later as the interest rates will only go higher this year, right?

Do you have to pay a fee to switch to another lender at the end of a fixed period?

My mortgage provider said anytime from 6 months before the end of the fixed period. You'll need to mention when you need it from though, in case other banks differ.

I don't believe you have to pay to exit a mortgage once the fixed period is up, although there are often fees to pay when setting up a remortgage.