'My mortgage lender is ending my two-year fix and I haven't been in the house for two years

Every week our Money team gets an expert to answer your money problems or consumer disputes - this week's concerns fixed mortgage deals.

Can a lender end your fixed-rate deal early? This was the crux of a question asked by Money blog reader Michelle from Kent... 'I bought my first flat in April 2023 with a two-year fixed-rate mortgage. I got the deal with the help of a broker, who has now contacted me saying my deal is due to end in November - significantly earlier than I had expected. I've spoken to my lender - they said the deal I was on no longer exists.

'However, it can take time to complete a deal, especially when purchasing a property which may be subject to a lengthy chain. 'Mortgage offers will typically be valid for up to six months. If you originally agreed to buy your flat before the end of 2022 then the deal on offer at the time could feasibly have been fixed until November 2024.

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