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When a fixed rate finishes, lenders move you onto something called their Standard Variable Rate. It sounds harmless… but in reality it’s usually much higher than the rate you were on before. That means your monthly payment can suddenly jump by hundreds of pounds — with no warning. The good news? You don’t need to wait until the deal ends. Most people can start the remortgage process up to 6 months early. That way, you lock in a new rate and avoid the shock of rolling onto the SVR. 🔑 A little fo
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