Uploaded March 2026 | Updated September 2026, 17 hours ago
1.8 million UK homeowners are about to come off five-year fixed mortgage deals secured at around 1% in 2021. With average rates now above 5%, the remortgage cliff of 2026 could add £47,000 in extra interest over the next five years — on the same house, with the same debt.
In this video, I break down exactly how much your mortgage payment is about to increase, why some homeowners will fail affordability stress tests and get trapped on SVR rates of 7%+, the real risk of forced sales and localised price drops, and the four things you need to do right now to protect yourself.
Mortgage Stress test - mortgage.calmmoneycommunity.com
USEFUL LINKS
Join Calm Money - calmmoneycommunity.com
My Book - amzn.to/3KL0nMW
Free Payday Routine - conversation-of-money-ltd.myklpages.com/l/Tk3uQg
FREE TOOLS:
Mortgage Stress Test Calculator - mortgage.calmmoneycommunity.com
Pension Forecast Calculator - pension.calmmoneycommunity.com
Wealth Gap Calculator → tools.calmmoneycommunity.com/wealth.html
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Instagram: @conversationofmoney
Question – What are you thoughts on the topic discussed today. Leave a comment and have your say.
Disclaimer: None of this is meant to be construed as investment advice, it's for entertainment purposes only. The video is accurate as of the posting date but may not be accurate in the future.
1.8 million UK homeowners are about to come off five-year fixed mortgage deals secured at around 1% in 2021. With average rates now above 5%, the remortgage cliff of 2026 could add £47,000 in extra interest over the next five years — on the same house, with the same debt.
In this video, I break down exactly how much your mortgage payment is about to increase, why some homeowners will fail affordability stress tests and get trapped on SVR rates of 7%+, the real risk of forced sales and localised price drops, and the four things you need to do right now to protect yourself.
Mortgage Stress test - mortgage.calmmoneycommunity.com
USEFUL LINKS
Join Calm Money - calmmoneycommunity.com
My Book - amzn.to/3KL0nMW
Free Payday Routine - conversation-of-money-ltd.myklpages.com/l/Tk3uQg
FREE TOOLS:
Mortgage Stress Test Calculator - mortgage.calmmoneycommunity.com
Pension Forecast Calculator - pension.calmmoneycommunity.com
Wealth Gap Calculator → tools.calmmoneycommunity.com/wealth.html
CONNECT!
Instagram: @conversationofmoney
Question – What are you thoughts on the topic discussed today. Leave a comment and have your say.
Disclaimer: None of this is meant to be construed as investment advice, it's for entertainment purposes only. The video is accurate as of the posting date but may not be accurate in the future.
