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However, refinancing can come with some costs, so it's essential to weigh up the savings of refinancing against the expense involved.

If you'd prefer the certainty of repayments will stay the same for a period of time, you may wish to switch to a fixed rate. Or, you may decide you'd like to take advantage of a lower variable rate as you can accept the risk that rates may rise in future.

If payday falls on a weekend or company holiday checks have.

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