Major lenders have raised rates on new deals in recent days, leaving many borrowers needing to make a decision.
Analysts are uncertain over whether there are more to come, but are urging people who need to find a new deal to act now.
Someone whose five-year deal is coming to an end faces paying more than £5,000 more a year on their next deal under a typical rate, if they borrow the same amount of money.
Many lenders allow people to lock in a new deal six months before their current one comes to an end, with an opportunity to switch if the costs come down before it kicks in.
"Borrowers expecting mortgage rates to drop in the coming weeks have had their hopes dashed," said Rachel Springall, from financial information service Moneyfacts.
"It is still essential borrowers do not delay seeking advice to navigate the mortgage maze."
The information you provided on your monthly payments would not be sufficient to pay off your mortgage within the number of years given.
This calculator does not constitute financial advice. It is based on a standard mortgage repayment formula dependent on the mortgage size and length and a fixed interest rate. It should be used as a guide only and does not represent the suitability, eligibility or availability of mortgage offers for users. For exact figures, users will need to approach an official mortgage lender.
Interest rates fluctuate based on the Bank of England's base rate and market conditions
For borrowers, the interest rate on a fixed mortgage does not change until it expires, usually after two or five years, and a new one is chosen to replace it. The vast majority of homeowners and buyers have this kind of mortgage.
Since the Iran war began, global economic uncertainty has pushed up the cost of deals.
Someone on a typical two-year deal, and borrowing £250,000 is likely to pay £120 more a month in mortgage repayments than they would have had they secured the deal at the start of March when the US-Israeli strikes began.
More recently, UK government borrowing costs have been rising , which has a knock-on impact on mortgage rates.
That pressure has been maintained in the latest sale of debt by the UK on Tuesday. A 30-year bond issued by the UK was sold with a yield - or interest rate - of 5.82%, the highest since 1998.
The governor of the Bank of England, Andrew Bailey, is expected to be asked about this bond market upheaval when he is questioned by the Treasury Committee of MPs later on Tuesday.
The situation has resulted in several major lenders raising their rates in the last few days.
Reporting synthesized and verified under Nexvoro.tech editorial guidelines. Full primary records referenced via BBC Business.
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