The lowest fixed rate with your lender. Guaranteed.
As mortgage costs rise, securing the lowest fixed rate can save you thousands of pounds.
Our free service guarantees access to your lenders‘ best rates, with no foreign call centres.
Plus, enjoy a £80 gift card to Amazon, Netflix or Spotify, or a £125 gift card to a local restaurant when you switch.Go to Step 1
Your new fixed-rate mortgage in 3 steps
Complete a short questionnaire.
Receive an acknowledgment.
We will be in touch the day your new fixed rate options become live.
As a home owner, selecting a new fixed rate is one of the most important financial decisions you can make.
When your existing fixed rate mortgage is approaching renewal, accepting rates offered directly by your lender can be costly for three reasons:
- Did you know your bank has a computer generated ‘index valuation’ of your property? As mortgage advisors, we regularly appeal low valuations to gain access to lower mortgage rates.
- Some UK mortgage lenders offer higher fixed rates directly to their mortgage customers compared to rates available through a licensed mortgage intermediary like switchrates.com. We have documented evidence of this happening to our existing clients.
- Occasionally, best advice may be to move your mortgage to a different lender, but your bank will never tell you this. On your behalf, we will search the whole UK mortgage market to offer you the best value.
Will you charge me a fee?
However, some mortgage products have a lenders arrangement fee.
We will recommend a product with a fee only when the interest rate is low enough to save you more than the fee amount over the fixed term.
What happens next?
We will be in touch when your new fixed rate options become live.