The festive season is here — the lights are twinkling, the Christmas markets are buzzing, and many of us are finally slowing down. But while December is full of celebrations, it’s also one of the best times of the year to review your mortgage and plan ahead for 2025.
This UK-focused festive mortgage guide will help you stay financially confident over Christmas, keep your home protected, and prepare for a strong start to the new year.
🎄 Why the Festive Season Is the Perfect Time to Review Your Mortgage
The end of the year naturally encourages reflection — and your mortgage is one of the most important areas to look at. December offers:
- More time at home to review finances
- A quieter period in the property market
- Opportunities to secure a new deal before 2025 rate changes
- The chance to prepare for January when lenders often launch fresh products
If your fixed-rate mortgage is ending in the next 6–12 months, the festive break is ideal for getting ahead.
🎁 Festive Mortgage Checklist (UK 2025)
✔ 1. Check When Your Mortgage Deal Ends
If your fixed rate finishes in 2025, you could switch early and secure a better rate before your lender moves you to a more expensive Standard Variable Rate (SVR).
✔ 2. Review Your Monthly Outgoings Post-Christmas
December spending can make January feel tight. Reviewing your budget now helps you understand whether your mortgage payments still feel manageable going into the new year.
✔ 3. Explore Remortgage Deals for 2025
Many UK lenders release competitive winter remortgage offers. Checking early could save you hundreds — or thousands — across the year.
✔ 4. Check Your Credit Score Before Applying
Christmas shopping, Klarna or Buy Now Pay Later purchases, and temporary overdrafts can impact your score. If you’re planning to remortgage soon, keeping your credit clean is essential.
✔ 5. Consider Overpayments (if affordable)
If your lender allows it and you’re financially comfortable, a small festive overpayment could reduce your long-term interest — perfect if you’ve received a year-end bonus.
✔ 6. Avoid Taking Out New Credit in December
New loans, store cards, or car finance taken during the festive period can affect your affordability checks when applying for a mortgage.
🏡 Festive Property Market Watch: What’s Happening in the UK?
The end of the year usually brings a quieter property market — but that can actually work in your favour.
Winter often sees:
- Motivated sellers
- Fewer buyers competing
- More time to negotiate
- Opportunities to secure a favourable mortgage deal
If you’re thinking about moving in early 2025, now is a great time to prepare your paperwork and get your Agreement in Principle ready.
🌟 New Year, New Mortgage Plan
January is traditionally one of the busiest months for mortgage applications. By preparing over Christmas, you’re already ahead of the rush.
A great festive step is to:
- Book a mortgage review
- Explore fixed vs variable options
- Check whether rising or falling rates may affect your plans
- Understand your 2025 affordability position
🎅 Festive Money-Saving Tips for Homeowners
- Switch energy providers or tariff rates before winter peaks
- Reduce heating bills with simple insulation fixes
- Review home insurance for better deals
- Plan for predictable December spending to avoid January credit pressure
These savings can strengthen your financial profile when applying for a mortgage.
⚠️ Important Mortgage Disclaimer
Your home may be repossessed if you do not keep up with your mortgage repayments.
🎁 Final Thought: Give Yourself the Gift of Financial Peace This Christmas
Whether you’re thinking about remortgaging, buying your first home, or simply wanting reassurance as we head into 2025, the festive period is a great moment to get mortgage-ready.
If you want a personalised mortgage review or help finding the best remortgage deals this festive season, I can put together a tailored plan based on your circumstances.
Emily's Mortgage Services LTD 