What happens when my fixed rate mortgage ends?

When your fixed rate mortgage ends, you'll automatically be moved onto your lender's Standard Variable Rate (SVR), which is usually higher. Most people start looking for a new deal 3-6 months before their current rate ends to avoid paying more than necessary.

When should I start looking for a new mortgage deal?

Most lenders allow you to secure a new rate up to 6 months before your current deal ends. This gives you time to compare options without rushing, and you can often lock in a rate with no obligation.

Is the Mortgage Renewal Club free?

Yes, membership is completely free. You'll receive timely reminders and market updates with no obligation. When you're ready to discuss your options, a qualified mortgage adviser is available to help.

What reminders will I receive?

You'll receive reminders at 6 months, 3 months, and 1 month before your mortgage deal ends. You'll also get bi-monthly market updates explaining what's happening with mortgage rates in plain English.

Mortgage Renewal Club

Introduction

This Privacy Policy explains how Mortgage Renewal Club, operated by Lynton Mortgages (a trading name of Just Mortgages Direct Ltd), collects, uses, and protects your personal information when you use our website and services.

Lynton Mortgages is committed to safeguarding the privacy of personal data and complying with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

Information We Collect

When you join the Mortgage Renewal Club, we collect the following information:

Your name and contact details (email address, phone number, postcode)
Information about your current mortgage (end date, lender, approximate property value and mortgage balance)
Your preferences and concerns regarding mortgage renewal

How We Use Your Information

We use your personal information to:

Provide you with mortgage renewal reminders and market updates
Contact you about your mortgage renewal when appropriate
Offer mortgage advice services when you request them
Improve our services and communications

We will only use your information for marketing purposes if you have given us explicit consent to do so.

Legal Basis for Processing

We process your personal data on the following legal bases:

Consent: For marketing communications and storing your details for future contact
Legitimate interests: To provide you with the service you have requested and to improve our services
Legal obligation: To comply with regulatory requirements

Data Sharing

We do not sell your personal information to third parties. We may share your information with:

Just Mortgages Direct Ltd and The Openwork Partnership for regulatory and compliance purposes
Service providers who help us operate our website and services (under strict data protection agreements)
Regulatory bodies when required by law

Data Retention

We will retain your personal information for as long as you remain a member of the Mortgage Renewal Club, and for a reasonable period afterwards to comply with legal and regulatory requirements. If you request to be removed from our database, we will delete your information within 30 days, unless we are required to retain it for legal or regulatory purposes.

Your Rights

Under UK GDPR, you have the following rights:

Right of access: You can request a copy of the personal data we hold about you
Right to rectification: You can ask us to correct inaccurate information
Right to erasure: You can ask us to delete your personal data
Right to restrict processing: You can ask us to limit how we use your data
Right to data portability: You can request your data in a machine-readable format
Right to object: You can object to us processing your data for marketing purposes
Right to withdraw consent: You can withdraw your consent at any time

To exercise any of these rights, please contact us at the details below.

Data Security

We take appropriate technical and organisational measures to protect your personal information against unauthorised access, alteration, disclosure, or destruction. However, please note that the internet is not a completely secure medium and the privacy of your data cannot be guaranteed.

Contact Us

If you have any questions about this Privacy Policy or wish to exercise your rights, please contact:

Lynton Mortgages
Email: [email protected]
Website: lyntonmortgages.co.uk

Complaints

If you are not satisfied with how we handle your personal data, you have the right to lodge a complaint with the Information Commissioner's Office (ICO) at ico.org.uk.

Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated revision date.

Last updated: January 2026

Privacy Policy