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
How do I secure a rate with my existing lender?
RateSwitch secures a new rate with your existing lender on your behalf, within your lender’s switch window.
We’re a FCA regulated broker and have been arranging mortgages for nearly a decade…
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.
Couldn’t I just do this directly with my lender or a mortgage broker?
You can – but the difference is what happens after the rate is secured.
If you go direct, or use a broker, you’re typically relying on them to spot and act on any rate drops. Unless monitoring is explicitly agreed upfront, it’s unlikely to happen consistently.
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?
Because 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. You can secure a rate months in advance, monitor it for drops, and even change your mind right up until it starts.
Inside the app, we also show how your lender’s rate compares to the best alternatives elsewhere, so you have market context without turning the process into a full remortgage.
Running a product transfer in parallel to a full remortgage application?
RateSwitch is a live rate monitoring service – not a comparison website.