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Refinancing your mortgage can save you thousands in interest. Here’s how to do it effectively in 2025:

Step 1: Know Your Credit Score

A better score means better rates.

Step 2: Compare Lenders

Use tools like MoneySuperMarket or CompareTheMarket.

Step 3: Calculate Your Break-Even Point

Ensure the savings outweigh the fees.

Step 4: Apply and Prepare Documents

You’ll need income proof, property details, and more.

Step 5: Finalize and Start Saving

Watch for hidden charges and adjust your budget accordingly.