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 can be a very quick and painless process because acceptance is rarely based on credit scoring or underwriting assessment. In many instances, we complete rate switches as a same-day transaction.

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.

In the Press

“Millions of mortgage customers are paying thousands of pounds a year more than they should. ”

“RateSwitch provides instant access to better rates without having to change lenders. ”

“For too long, too many have been paying out money they simply don’t have to. ”

“Help to Buy customers do not have the same options available as people remortgaging on normal terms. ”

See how much you could save with RateSwitch

On average, we’ve saved our customers £0 a year