How to Save on Your Mortgage Costs

Caz Blake-Symes • August 14, 2025

With many households feeling the pressure of rising mortgage bills, finding ways to reduce monthly payments has never been more important. Whether you’re coming to the end of a fixed-rate deal or just looking for financial breathing room, there are smart, practical steps you can take to lower your costs.


This blog shares essential mortgage savings tips, including how to reduce mortgage payments and the most effective remortgaging strategies for 2025.

5 Ways to Save on Your Mortgage in 2025

1. Review Your Current Deal

Your lender may automatically move you onto their Standard Variable Rate (SVR) at the end of your fixed term, and this is often much higher than other available deals.

Tip: Check your mortgage expiry date and start comparing new deals 3–6 months in advance.


2. Consider Remortgaging

Remortgaging is one of the most effective ways to cut costs. You may be able to switch to a deal with a lower interest rate, reduce your term, or even release equity if needed.

Tip: Search for lenders offering incentives like free legal fees or valuation.


3. Extend Your Mortgage Term

If your goal is to reduce monthly payments, increasing the term (e.g., from 20 to 25 years) can lower what you pay, though you'll pay more interest in the long run.

Tip: Ideal for those with short-term financial pressure.


4. Overpay If You Can

If you're in a strong financial position, making overpayments (within allowed limits) helps reduce the total interest you’ll pay and shortens your term.

Tip: Even £100 extra a month can save thousands over time.


5. Improve Your Credit Profile

A better credit score can give you access to better rates when applying for a new deal or remortgaging.

Tip: Check your report, correct errors, and reduce debts ahead of time.


What Next?

Whether you’re a first-time buyer, a landlord, or remortgaging after a fixed deal, Bristol Mortgages Online can help you explore tailored strategies to keep your payments affordable.

We offer:

✔️ Mortgage reviews

✔️ Personalised remortgaging strategies

✔️ Access to deals not always available directly to consumers


Contact Phil  Clark today!

Call 0117 3251511

Email info@swmortgages.com

For more information about all the Mortgage and Protection products we offer, please visit www.bristolmortgagesonline.com

 

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