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
2 year Fixed • £0 product fee
4.08%
Secured rate
Latest drop: 5th January 2026
3.94%
View rate history
How it works
Select your lender
Tell us who your mortgage is with and a few basics: your balance, property value, repayment type and remaining term. That’s all we need to get started – no credit checks, no commitments, and nothing you wouldn’t already know off the top of your head.
See your rates and how they compare
We show you the rates available through your existing lender, alongside the three lowest rates available elsewhere – all monitored in real time as the market moves, so you always have an accurate picture before making any decisions. When you’re ready, simply set an alert against your chosen rate.
We secure and manage your rate
Once you’re inside your lender’s switch window, we secure your chosen rate on your behalf – and keep watching. If that exact rate drops, we resecure it at the lower level – and we’ll do this as many times as needed before your switch completes. Lenders won’t do this. Lots of brokers won’t either. We do.
Who we’ve worked with
A few common questions
How does the rate securing and monitoring process actually work?
Once you’ve set an alert against your chosen rate, we get in touch to confirm your details and go ahead. As soon as you’re inside your lender’s switch window, we secure that rate on your behalf – we’re an FCA regulated broker and have been arranging mortgages for the best part of a decade.
Once secured, that rate is locked in – so if your lender increases their pricing after that point, you’re not affected. You keep the rate you secured, regardless of what happens in the market.
From there, we monitor continuously right up to your renewal date. If the same rate drops, we resecure it at the lower level — and we’ll do this as many times as needed. Your lender won’t tell you when this happens. Lots of brokers won’t either. You simply end up on the lowest rate your lender offered during the entire run-up to your renewal — without having to chase anyone or lift a finger.
RateSwitch manages this automatically, re-securing lower rates as they appear, without you having to chase anyone or lift a finger.
What if I’ve already secured a rate and can’t see it in the app?
Because our rates are live, it’s possible that the rate you secured — whether directly with your lender or through another broker – was available at a lower level than what’s showing now. That’s actually a good sign: it means you secured at the right time.
For situations like this, we have a ‘set alternative rate’ feature. Rather than monitoring from the current rate downwards, you simply enter the rate you’ve already secured and we’ll notify you only if it drops below that level. If it does, we can resecure it for you at the lower rate – the same process as normal, just with your existing secured rate as the starting point.
So even if you can’t see your exact rate in the app, you’re still fully covered.
RateSwitch manages this automatically, re-securing lower rates as they appear, without you having to chase anyone or lift a finger.
What if I’ve already secured a rate and can’t see it in the app?
Because our rates are live, it’s possible that the rate you secured — whether directly with your lender or through another broker – was available at a lower level than what’s showing now. That’s actually a good sign: it means you secured at the right time.
For situations like this, we have a ‘set alternative rate’ feature. Rather than monitoring from the current rate downwards, you simply enter the rate you’ve already secured and we’ll notify you only if it drops below that level. If it does, we can resecure it for you at the lower rate – the same process as normal, just with your existing secured rate as the starting point.
So even if you can’t see your exact rate in the app, you’re still fully covered.
RateSwitch manages this automatically, re-securing lower rates as they appear, without you having to chase anyone or lift a finger.
RateSwitch manages this automatically, re-securing lower rates as they appear, without you having to chase anyone or lift a finger.