The short answer is – earlier than you think. Ideally, you should speak to a mortgage broker before you start viewing properties, so you know exactly what you can afford and can move quickly when you find the right one. If you’re coming to the end of a fixed-rate deal, we recommend seeking advice up to six months before your current deal expires. This gives you time to explore your options without the pressure of rolling onto a higher rate. Whether you’re at the very beginning of your journey or mid-process, a London mortgage adviser can step in at any stage and add real value.