You could save money by switching your mortgage 

Homebuyers and those nearing the end of their current mortgage deal received some positive news recently, as numerous lenders have reduced the costs of their new fixed-rate deals. If your current deal has another 12 months to go, your options are somewhat limited, but there are still actions you can take. For those whose deals are concluding soon, it’s advisable not to delay. Remortgage offers typically remain valid for up to six months, allowing you to reserve a deal now and keep it under review. By doing so, you can take advantage of any further reductions in the cost of new deals. While you’re not obligated to commit to the reserved mortgage offer, having it in hand gives you the flexibility to switch to a lower rate if it becomes available.

 You could cut your credit card costs Additionally, if your credit card bills have surged recently, consider reducing your costs by transferring balances to a provider offering a better rate. Some credit cards even provide interest-free deals lasting for over two years.  Shop around to find the most suitable option for you.

 Risk warning: Think carefully about securing other debts against your home. Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. You may be charged a fee for mortgage advice.