When a fixed-rate period ends, the bank offers new terms by default — rarely the best on the market. You have time to compare: extend the fixed rate, move to a variable one, or refinance with another bank. Work through the options below.
A rough estimate. We prepare the full analysis — transfer costs and bank offers — from your actual loan agreement.
Once the fixed period ends, the rate usually switches to variable (benchmark plus margin), or the bank proposes a new fixed period. The bank’s “default” proposal is convenient, but it is rarely the cheapest.
The best time to decide is three to six months before the fixed period ends — enough time to compare offers and file an application. We remind you when that moment comes if you turn monitoring on.
It depends on the new terms. It is worth comparing the bank’s offer with the market — refinancing sometimes gives a lower payment.
Usually three to six months before the fixed period ends, so there is time to compare and apply.
The Lendean team · Mortgage advisers
Sources: NBP, GPW Benchmark (WIBOR), KNF, the Mortgage Credit Act. Educational material; not investment or legal advice.
Aktualizacja danych: 2026-08-31.
