Frog’s Rate Check Promise

Your mortgage safety net, here to make sure
you always walk away with the best possible mortgage deal.

Award Winning

Frog’s Rate Check service

Your mortgage safety net, here to make
sure you always walk away with the
best possible mortgage deal.

Award Winning

What is Rate Check?

Mortgage rates have a habit of shifting, sometimes quite a bit, and it’s perfectly normal for several months to pass from the moment you apply for your mortgage to the date it actually starts. That’s where our automated Rate Check service steps in. We give you the power to lock in today’s best mortgage deal, and then we keep looking out for you from there; think of it as a safety net, protecting you from any unwelcome surprises.

How much could I save?

The savings might surprise you. Even the smallest change in your mortgage interest rate can add up to thousands of pounds saved over the entire term of your loan. When it comes to interest, every fraction of a percent really does count.

Can I have more Rate Checks?

Absolutely! After your initial application, we’ll automatically keep checking rates in the background for you. Still, if you ever want us to run the numbers again, just give us a shout. We’re always happy to check as many times as you’d like, no hassle, no fuss.

What’s the catch?

Here’s the good news: there isn’t one. We include Rate Check as part of our advice service, so it’s completely free for all our clients. That said, sometimes a deal that looks like gold isn’t quite what it seems—there could be extra fees from your lender to switch, or you might be so close to your mortgage start date that switching becomes tricky. Don’t worry though; your adviser will talk things through with you, weigh up all your options, and always recommend what genuinely suits your situation best. You can relax knowing we’re in your corner.

How it works

Step 1.

First, you lock in the best mortgage deal available to you right now. This gets everything moving and sets you up with peace of mind from the get-go. Next, our automated system keeps watch for better opportunities—if a better deal comes up, we’ll let you know straight away.

Step 2.

Around three weeks before your new rate is about to begin or around three weeks before it’s time to exchange contracts, we’ll take another look at your lender’s current offers, just to double check you’re still on the best available rate.

Step 3.

Finally, your new mortgage begins. And you can take comfort knowing you secured the best deal possible, thanks to a little help from your friends at Frog.

While our Rate Check service aims to help you secure the best available mortgage rates, we cannot guarantee that a new rate can always be locked in. Mortgage rates are subject to change based on market conditions and lender availability, and the timing of your mortgage application or completion may affect your eligibility for a specific rate. There may also be fees and other criteria dictated by your lender that impact your ability to switch or secure a new deal. We recommend discussing your personal circumstances with your adviser, who will guide you on your best options—but please note, rate changes and market fluctuations are outside of our control.