See mortgage rates
as they drop
Set alerts and save money in the run-up to your next switch
Free to use – no hidden fees
Lender
HSBC
LIVE RATE EXAMPLE
Powered by Mortgage Metrics ⚡
Current rate
Due to end in 6 months
4.85%
New rate
2 year Fixed • £0 product fee
3.94%
View rate history
How it works
Select existing lender
We support 20 mainstream lenders. Select yours and add a few basic details – current balance, property value, repayment type and remaining term.
See mortgage rates
We’ll show you the rates you could switch to at your next renewal date, plus how they’ve been changing (up or down) over the past few months.
Set a live alert
We’ll notify you if a rate you’re monitoring drops – something lenders never do. A heads-up at the right moment means you can amend your new rate before it starts.
Who we’ve worked with
A few common questions
My rate isn’t up for renewal for a while – is it too soon to get started?
Not at all – in fact, the earlier you set up an alert, the better.
Every lender has a switch window: the period before your renewal date during which you’re allowed to secure a new rate. As soon as you’re inside that window, RateSwitch can start monitoring and secure a rate on your behalf. Setting up an alert now means we notify you the moment your window opens – so you’re not left scrambling, and you don’t miss a good rate while you’re waiting to act.
It’s also worth knowing that switch windows can change. Most lenders currently operate a three to four month window, but this has shifted before. During the mortgage market turbulence of 2023, six month windows became standard almost overnight. If lenders extend their windows again – which is possible given current market conditions – you’ll benefit automatically, because we’ll notify you as soon as you’re eligible.
Once secured, we automatically monitor that rate and, if a lower equivalent becomes available before it starts, we re-secure the better deal for you – so you don’t need to keep checking or take action.
You simply end up on the lowest rate your lender made available during the run-up to your renewal.
Why does RateSwitch only show rates from my existing lender?
Switching to a new deal with your current lender is usually the fastest, simplest and lowest-risk option. There’s no credit check, no affordability assessment and no paperwork — and you can secure a rate months before your renewal date.
Inside the app, we also show how your lender’s rates compare to the best available elsewhere, so you have the full picture without turning the process into a full remortgage.
RateSwitch manages this automatically, re-securing lower rates as they appear, without you having to chase anyone or lift a finger.
Why does RateSwitch only show rates from my existing lender?
Switching to a new deal with your current lender is usually the fastest, simplest and lowest-risk option. There’s no credit check, no affordability assessment and no paperwork — and you can secure a rate months before your renewal date.
Inside the app, we also show how your lender’s rates compare to the best available elsewhere, so you have the full picture without turning the process into a full remortgage.
RateSwitch manages this automatically, re-securing lower rates as they appear, without you having to chase anyone or lift a finger.
Why does RateSwitch only show rates from my existing lender?
Switching to a new deal with your current lender is usually the fastest, simplest and lowest-risk option. There’s no credit check, no affordability assessment and no paperwork — and you can secure a rate months before your renewal date.
Inside the app, we also show how your lender’s rates compare to the best available elsewhere, so you have the full picture without turning the process into a full remortgage.
RateSwitch manages this automatically, re-securing lower rates as they appear, without you having to chase anyone or lift a finger.
What causes lenders to reprice their rates?
Lenders price their fixed-rate deals around something called swap rates — market indicators of where interest rates are expected to go. When these move, mortgage pricing tends to follow quickly, sometimes within hours.