ADVERTORIAL


ACTION IS YOUR BEST DEFENCE


MORTGAGES IN 2026, WHY EARLY


BY QUICK MORTGAGES – PROUD SUPPORTERS OF THE POLICE FEDERATION


As a police officer, your day-to-day is defined by managing unpredictable situations, mitigating risks, and protecting others. But when it comes to your own home and financial security, unpredictability is the last thing you want. This year, an estimated 1.8 million homeowners across the UK will reach the end of their fixed-rate mortgage deals. If you are one of them, stepping out of a lower fixed rate from a few years ago into the current market can feel like a daunting prospect. At Quick Mortgages, we’re here to help Federation members cut through the noise, secure their finances, and take the stress out of remortgaging.


36 | POLICE | APRIL | 2026


What’s Happening to Rates? If you’ve been watching the news, you know the economic landscape has been incredibly volatile. After a long period of steady reductions, there was widespread hope that rates would continue to fall. In fact, just a few months ago, we saw some fixed-rate deals touching just under the 4 per cent mark, bringing a welcome sigh of relief to many homeowners. However, global events have recently


shifted the goalposts. Geopolitical instability, particularly the ongoing conflict in the Middle East, has driven up global oil and energy prices. This has reignited fears of inflation, prompting the Bank of England to hold the base rate


steady and lenders to react cautiously to the uncertainty. As a result, that downward trend has reversed. Over the last few months, we have seen fixed rates climb back up to 4.7 per cent and beyond. While we aren’t seeing the extreme, chaotic spikes of a couple of years ago, this recent uptick is a stark reminder of how quickly the market can move and why complacency can be costly.


The Importance of Reviewing Your Options When your current deal ends, doing nothing means automatically rolling onto your lender’s Standard Variable Rate (SVR), which is currently significantly


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