Nobody denies that rates are set to rise, but not everybody realises how easy it is to be protected. Did you know that you can secure a new rate up to seven months in advance?

This means that if you have a mortgage deal that’s due to expire in seven months’ time, you may be able to secure a new one today. From the moment your application is submitted your rate is set, and assuming there are no changes to your personal circumstances the new deal will simply begin at the end of the current deal.