Calling all self-employed homeowners

If you're self-employed, we make it our business to reduce your monthly mortgage payments. You're busy enough, so let us do all the work for you

Have you become a self-employed contractor, freelancer, limited company director or sole trader since taking out your mortgage?


Has your income fluctuated since becoming self-employed?


Do you pay yourself tax efficiently – i.e. a modest salary, plus dividends when possible?

If the answer to any of these questions is yes, switching your mortgage between lenders to take advantage of the best interest rates available can be both a difficult and frustrating process.

RateSwitch is the no hassle, no fee, no problem solution to help you switch and save with minimal fuss.


Find your current lender

Then enter some basic information about your mortgage


View your available rates

See how much money you can save within seconds


Switch quickly, free of charge

Securely leave your details and we'll be in touch promptly

See how much you could save with RateSwitch

On average, we’ve saved our customers £2,458 a year

Are you missing out on saving thousands of pounds? It’s in your self-interest to find out

If you’re self-employed and your circumstances have changed (personal, financial or both) since taking out your mortgage, you may feel uncomfortable approaching your lender for fear of ‘rocking the boat’.

But RateSwitch has unearthed one of the mortgage market’s best-kept secrets…

Even if your circumstances have changed since taking out your mortgage, most banks and building societies don’t financially ‘reassess’ existing customers who simply want to switch to a better rate.

In other words, if you are on stuck on an unnecessarily high rate, RateSwitch can put this right very quickly. We’ll aim to switch you to the best rate your existing mortgage lender has to offer with a simple, no-nonsense, no-hassle process so you can start saving money immediately.

We do all the work without you having to provide reams of accounts, payslips and bank statements, being subjected to a credit check and intrusive underwriting assessment, or having to provide your mortgage lender with any further information about your life.

We free mortgage prisoners

Millions of people – including many self-employed homeowners – are paying too much for their mortgage.

Self-employment in the UK is at its highest level since records began almost 40 years ago, with the number of people working for themselves increasing from 3.3 million people in 2001 to 4.8 million in 2017 (accounting for around 15% of the country’s workforce).

But despite this, the self-employed continuously face great difficulties when trying to access better mortgage rates. This doesn’t seem fair at all, so we’ve set out to put it right.

What our customers are saying about us