Barclays data* shows £152.5 billion of residential mortgages up for renewal between January to June 2026

by Aaron Strutt

Jan 14 2026

Market analysis* published by Barclays indicates that from January to June 2026, residential mortgages worth £152.5 billion – an 25% increase from 2025 – will reach the end of their term. Additionally, buy-to-let agreements valued at £25.2 billion – a 22% increase from 2025 – are also set to mature during this period. 

The highest value of mortgages coming up for renewal is in London, with £41.1bn, followed by the South East with £34.2bn. There is also £3.9bn in the North East, £10.1bn in the East Midlands and £13.9bn in the South West. This information is shown in the graph above.

Aaron Strutt, product director at Trinity Financial, says: "Many more homeowners than usual will be searching the mortgage market soon to secure the most competitively priced rates because it is such a bumper year for rate switches. With a 25% increase in remortgages this year, there will be a lot of competition between banks and building societies, though many lenders are still offering their cheapest rates to home movers.

"Lenders have been making their mortgages more competitively priced as funding costs come down, which is good news for those coming off some really cheap deals. We are speaking to lots of homeowners dreading coming off five-year fixes below 2% and also the more unfortunate borrowers who had to take two-year fixes at 6% or higher."

*CACI Ltd Mortgage Market Database as at August 2025. 

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The information contained within was correct at the time of publication but is subject to change.

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