About Us

It’s estimated that over a third of mortgaged homeowners pay interest at their lender’s standard variable rate (SVR), which is the uncompetitive default rate to which most initial fixed and tracker deals automatically revert.

But it doesn’t have to be this way because lots of them have a range of excellent rates reserved exclusively for their existing customers.

We find these rates, and switch homeowners to them with minimal hassle

Rate switching with your current lender can be a very quick end-to-end process because acceptance is rarely based on credit scoring or underwriting assessment. In many instances, we’re able to complete rate switches for our clients as a same-day transaction.

Why consumers use RateSwitch

No fuss

Our mortgage advisers handle every aspect of your rate switch, from start to finish.

No fees

We receive our payment from the lenders we deal with, so you don’t pay us a penny.

We’re impartial

Banks and building societies never tell you how competitive their rates are against other lenders, but we do.


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