About MortgageWatch
MortgageWatch is a free UK mortgage rate monitoring service that watches the market on your behalf and alerts you the moment switching to a new deal could save you money — even after accounting for early repayment charges, exit fees, and arrangement costs.
What we do
Every day, MortgageWatch pulls the latest mortgage rates from across the UK market and compares them against the details of your existing mortgage. We calculate your true net saving — not just the headline rate difference — so you only hear from us when there is a genuinely better deal available for your specific situation.
We track Bank of England base rate changes, two-year and five-year fixed rates, tracker mortgages, and standard variable rates. Our data is updated daily and sourced from the Bank of England's published series and live lender rate feeds, giving you an accurate, up-to-date picture of where the market stands right now.
Who it is for
MortgageWatch is built for UK homeowners who are on a fixed-rate deal, a tracker, a discount rate, or a standard variable rate and want to know — without constantly checking — whether a better option has appeared. It is particularly useful for anyone approaching the end of an initial deal period, or anyone already paying their lender's SVR.
You do not need to be a finance expert to use MortgageWatch. Simply tell us your current lender, loan amount, property value, and interest rate. We handle all the maths and contact you only when the numbers stack up in your favour.
Who builds it
MortgageWatch is built and maintained by Swipe Mortgages, an independent UK mortgage brokerage committed to helping homeowners make smarter financial decisions. We believe everyone deserves access to the same market intelligence that brokers use every day — and MortgageWatch is our way of making that available for free.