Where do I start, fixed rate mortgage ends in a few months

[Choirsinger7]

Am a bit clueless about financial matters, we currently have a 5 year fixed mortgage which ends in April, paying around 1k per month mortgage payments. I think I need to ring my mortgage provider and ask what they can do for me, but shall I also find a financial/ mortgage advisor who can shop around for me too? I have heard that you can lock yourself into a new mortgage rate now and then walk away from it later if you find a better deal, is that right? Any guidance gratefully received, assume I have a low level of understanding of this area! Many thanks #clueless

@itsgettingweird

Apparently car insurance isn't profitable so fewer insurance companies want to cover cars

https://www.bbc.co.uk/sounds/play/m001ry4v?partner=uk.co.bbc&origin=share-mobile

From about 18 minutes onwards..

So I phoned my current provider today and they offered me 4.75 for a 2 year fixed and a 2 year tracker at 5.47 the latter with a £999 set up fee. The provider is one of the bigger mortgage providers. I could bagsy the fixed now, just in case things go pear shaped with the world in the next month, and walk away from it with no penalty if rates come down til my current fixed rate ends in a few months. Does this sound sensible or would people wait til the BoE announcement on interest rates at start of Feb?

https://www.moneysavingexpert.com/news/2024/01/mortgage-rates-drop-january-fix-tracker/

Just saw this article about 4% mortgages and advice about what to do going forward.(not actually read the article myself)

This is very helpful thanks @Riverlee

@MigGirl we’d always got our own mortgage sorted but a friend raved about London and country. They got us a deal 1% less than we’d found anywhere as they have different deals available through them. They also did all the paperwork so it was far simpler than the previous few times we’ve remortgaged. Wish we’d discovered them years ago.

Thanks all, I've found L&C very helpful, great recommendation