If you have come to the end of a mortgage deal and have not remortgage, the chances are you are wasting money and could be paying less.

Most borrows remortage their homes to take advantage of better interest rates and thus save themselves money. This is especially true when a mortgage comes to the end of its fixed rate introductory offer. Other reasons include releasing equity or for home improvements.

If you have come to the end off your current mortgage deal, remortgaging normally always saves you money.