Lenders we support
See live mortgage rates as they change
Set an alert and we’ll notify you if the rate goes down
Free to use – no hidden fees
FAQS
Can I switch early?
Yes – every lender operates a switch window, which is the period before your current rate ends during which you can secure a new deal. The earlier you do, the more time RateSwitch has to monitor and resecure if the rate drops. The length of the window varies by lender and is shown on each lender page.
What if I’ve already secured a rate elsewhere and can’t see it in the app?
Because our rates are live, the rate you secured may have been available at a lower level than what’s showing now. Simply use our ‘set alternative rate’ feature to enter the rate you’ve already secured – we’ll then notify you only if it drops below that level, and resecure it for you if it does.
Will there be a credit check?
For a product transfer with your existing lender, there’s no credit check, no affordability assessment and no paperwork – it’s one of the key advantages of staying with your current lender rather than switching to a new one.
If we subsequently arrange a remortgage to a different lender on your behalf, the usual checks would apply at that stage – but we’d talk you through everything before proceeding.
What if rates change after I’ve secured?
If rates rise after you’ve secured, you’re protected – your locked-in rate stands regardless of what happens in the market. If the rate drops before your switch date, we’ll resecure it at the lower level automatically. We’ll do this as many times as needed, right up to your renewal date. Lenders won’t tell you when this happens. Lots of brokers won’t either. We will – and we’ll act on it too.