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When looking to buy a house the first thing you want to start doing is saving money for the deposit and all the other costs.

But the savings shouldn’t stop there.

Once you’ve bought your house there will be lots of expenses, such as bills, ongoing maintenance or unexpected repairs. 

This guide will help you find ways to save money every month so that you’re never out of pocket.

Complete your purchase

Remortgage your home

You could be spending a lot more than you need by not remortgaging at the end of your fixed mortgage period.

Remortgaging is when you switch from one mortgage to another. Usually this is to get a lower interest rate.

But unfortunately too many homeowners aren’t making the most of what’s on offer.

2 in 5 borrowers are missing out on a cheaper deal by sticking to their usual lender.¹

And around 2 million homeowners are paying their lender’s high-interest standard variable rate (SVR). This happens when you don’t switch to a new deal at the end of a mortgage term.

By shopping around towards the end of your mortgage term, you can potentially save hundreds of pounds on your mortgage payments each month.

Find out how much you could save by remortgaging today with our remortgage calculator.

Remortgage Calculator

Enter your current mortgage details and we'll see how much you may be able to save by remortgaging.

You may have to pay an early repayment charge if you remortgage.

Your home could be repossessed if you don't keep up repayments on your mortgage.

You could save up to


per year on your mortgage

This is based on a new 2-year fixed rate mortgage with an interest rate of 1.12%.

Your savings will vary depending on your circumstances. See below for how we calculate your potential savings.

Next steps

If you're ready to remortgage, the next step is to answer a few more questions. Then a Trussle adviser will find the best remortgage deal for you.

You may have to pay an early repayment charge if you remortgage.

Your home could be repossessed if you don't keep up repayments on your mortgage.

More information about our remortgage calculator

We base our example interest rates on market-leading rates for repayment mortgages. These are for rates in these LTV bands: 0 to 69%, 70 to 79%, 80 to 89% and 90% and over. The rates were last updated on 10 June 2021.

Read about how we work out how much you could save in our marketing claims page.

These example rates do not take into account your personal situation. To find out what you could save, talk to a mortgage broker like Trussle.

Overpay on your mortgage

Making overpayments is another way you could save money. 

Overpaying on your mortgage reduces the total you owe your lender. 

If you choose to overpay you’ll also be minimising how long it’ll take you to pay off your mortgage.

When you overpay and reduce the amount you owe on your mortgage, you’ll ultimately lower the number of payments you need to make and therefore pay less interest.

Check out our overpayment guide to find out more.

Shop around and switch providers

This is one tip you’ve probably heard before. That’s because it’s one of the simplest ways that you can make sure you’re getting the best deals and not overspending on utilities and services.

The average UK household spends £190 a month on broadband, energy (gas and electric) and a single mobile phone contract.² 

If you have multiple mobile contracts, or you pay a lot for broadband or TV, you could be spending hundreds of pounds a month.

Keep an eye on your bills and think about switching over to a cheaper deal with the same provider or even with someone new.

Keeping your existing phone and changing to a SIM only contract can be a good way of saving a lot of money. 

Think about whether you really need all those TV channels or a super fast broadband connection.

You could find yourself making some significant savings when you switch your energy or broadband provider.

Make your home energy efficient

Making your home more energy efficient is an important way to reduce your expenses. 

It’s also a great way to be more eco-friendly and minimise your carbon footprint.

And who doesn’t want smaller bills while saving the planet?

Here are some things you can do to make your home more energy efficient and save money.

Insulating your home could be a great long term way to save on heating costs. 

You can do this by simply adding insulation to your loft (if you have one) or roof. 

About 25% of your home’s heat is lost via an uninsulated roof, so getting roof insulation is a worthy investment and a good way to keep heating bills down.

It can even be a DIY task you could get done on a weekend.

Getting wall insulation is another option. Although it is a little more complex and expensive, it’s a big money saver in the long run.

Do some research and find out what kind of insulation could suit your home.

Keeping an eye on how much energy you’re using has never been simpler.

With technology rapidly evolving, it’s now easy for you to keep track of your electricity and gas usage with smart meters.

When you install a smart meter, you’ll see your usage and pay only for exactly what you use. So no more roughly estimated gas or electricity bills.

To get a smart meter, talk to your current energy provider. If they won’t give you a smart meter, you can switch to a different energy provider that will!

Katy Orme image

9 ways to update your home interiors on a budget

Lockdown has changed the way people feel about their homes. Our research has found that 68% of homeowners would like to make improvements to their current home. 

However, with 1.8 million households on a mortgage holiday, many of these improvements are likely to be made on a tight budget. 

On average, Trussle homeowners can save up to £290 a month by remortgaging.

Using our new remortgage calculator you can find out how much you could save by switching to a better deal and use these savings to improve, refresh and add style to your home. 

Make the most of your remortgage savings with these budget-friendly ideas, DIY projects and creative top tips from interior design blogger, Katy Orme of Apartment Apothecary. 

Working from home has become the norm for many during lockdown, and there are a number of ways to create an effective dual purpose room that looks good and works well. 

Keep the style cohesive

Firstly, try using the same colour scheme and style as the existing room when adding a desk, chair or storage furniture. This helps to create a sense of cohesion with the rest of the room. It’ll also make the room feel spacious and less like an add-on. 


Storage is key when using a room for two different purposes, so use storage furniture to divide the space. 

Furniture doesn’t always have to be pushed against a wall, so try positioning it at a right-angle. This will act as a natural room divider and free up more wall space. 

Use closed cupboards for storing files and paperwork as they tend to look a little messy and attract dust. 

Then make the most of ‘dead’ space by adding:

  • shelves 

  • storage benches in bay windows

  • ottoman beds or storage footstools 

  • wall mount a TV

You can then use the free space for a desk area. 

Moving your sofa into the middle of a room and placing a desk behind it can be a smart way of making room to work in. Creating a home office in a living room can be better than being shut away in a corner or a small room.

If there’s a particular interior trend you love, you don’t need to spend huge amounts of money on to get it. Try some DIY instead.

There are lots of natural textures being used in interiors, and you can replicate this at a fraction of the cost by adding cane panels to an existing cabinet. 

If you’re after the latest wall panelling and reeding craze, have a go using easy tutorials online.  

Crittall doors are a stylish choice at the moment, but they can be expensive.  Try glazed timber doors painted off black as an internal room divider. A DIY Crittall style shower screen could make for an impactful addition to your bathroom. 

Line art is another trend that’s easy and affordable to do yourself. If you can get your hands on some paint and a blank canvas, you could create a great unique piece to spruce up your space.

When working with a tight budget, it’s a good idea to colour match designer paints. You can often find the tester pots on Gumtree or Freecycle. 

You don’t even have to paint an entire room to make a drastic change, especially as this can be quite a big job. 

Think about highlighting woodwork or period features to give a room a fresh new feel.  You could paint any uPVC doors or windows to help improve the overall feel of a room, and use dark colours to hide ugly moldings. 

You can also easily and quickly give a room a new feel by using paint effects like a half-wall, or get creative with old tester pots.

Painting furniture is a great way to upcycle what you already own or have found second hand. 

You could also easily cover any older upholstered items using a staple gun and some fabric. Beds or headboards could be a good place to start.

Chairs can be more difficult to reupholster, so it might be worth paying a professional. 

New cushion covers are another excellent way to transform the look of a sofa or bed. Sewing together a slipcover is a quick and simple way to update your cushions or pillows. You can even make use of scraps of fabric you have already to save money.

It’s easy to get used to our homes and not notice the areas that we could easily improve without spending a penny. 

Removing any unsightly items is a good start, and changing the layout of the furniture can make a big difference. Moving just one piece of furniture in a room can free up floor space and give a room a whole new lease of life.  

Once you’ve sorted out your space, you can go shopping for artwork, textiles or ornaments to update a forgotten space.

If your focus is on selling your home and investing a small amount in an effort to get back as much as possible, your kitchen is a great place to start. 

Remove tired wall cabinets and replace them with streamlined open shelves. These cost very little but will make your kitchen feel bigger and fresher. 

Update your kitchen features by painting base cupboard fronts and replacing any handles. 

Another very easy DIY is re-tiling splashbacks.

Use filler to fill in hairline cracks or holes and a fresh lick of paint to make a room look  fresher. 

You can also re-seal in bathrooms and use a grout pen to instantly whiten discoloured grout.

If you have good DIY skills, you could commit to taking on larger projects that can add value to your home. For example, if you have tired and dirty carpets you take them all up and sand the floorboards. You can also sand and paint wooden stairs. 

Alternatively, focus on the garden and lay a new patio or build a deck to create the illusion of more space. 

You could also consider: 

  • painting the house frontage and the front door 

  • replanting the front garden 

The aim is to spend as little as possible for maximum impact.

If you have a period home, a great affordable way to make it stand out is to reinstate lost features. 

People living locally in similar style houses may want to get rid of large period features like fire surrounds or doors. So it’s worth looking on local selling sites to snag a bargain or two. 

Adding fireplaces, original doors, picture and dado rails can give a period home character. 

Send off doors to be dipped to remove years of gloss paint and add period door handles. This usually costs about £20 a door.

Looking at pictures

Get a mortgage with Trussle today

  • Our remortgage customers save an average of £171 a month*

  • Trussle is fee-free for most customers**

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  • 12,000 mortgage deals from 90 lenders

  • Skip the paperwork: apply online any time

*The savings figure is from Trussle mortgage customers in September 2022. **You may have to pay a fee depending on your circumstances and credit history. Learn more.

Your home could be repossessed if you don't keep up repayments on your mortgage.

You may have to pay an early repayment charge to your existing lender if you remortgage.

What people are saying about Trussle...


¹ Mortgage Saver Review 2018

² Money Advice Service, The Average Cost of Household Bills