Our Rate Promise: If Rates Drop We’ll Switch You Automatically

Feel confident applying - because if a better rate appears, we’ll make the move for you.

With interest rates constantly shifting, timing your mortgage application can feel like a gamble. But at Endurance Mortgages, we don’t think you should lose out just because a better deal becomes available after you apply.

That’s why we offer our Rate Promise - a commitment to check the market right up until your deal is finalised and, if something better pops up, we’ll proactively switch you. No chasing. No extra stress.

Here’s how it works:

What Is the Rate Promise?

Our Rate Promise is a free service for our clients that ensures you get the most competitive deal available - even after your application is submitted. If your lender improves their product or a better deal becomes available through another provider before completion, we’ll check if you're eligible and make the switch on your behalf.

It’s all part of how we protect your interests, not the lender’s.

Why It Matters Right Now

With mortgage rates in flux, it’s not unusual for lenders to release new, lower rates even days after you’ve applied. Without a broker who monitors the market daily, you might miss the window to secure a better deal.

At Endurance Mortgages, we stay on top of rate movements, and we’ll let you know if a change could benefit you - before your mortgage completes.

What You Could Save

Switching to a lower rate - no matter how small the difference - can save you thousands over the life of your mortgage.

For example: Let’s say your loan is £250,000. If your initial rate drops from 5.2% to 4.8% before you complete, that could shave off over £40 a month. Over five years, that’s £2,400 in your pocket - not the lender’s.

And if we can get you a better fixed-rate or cashback deal? Even better.

No Extra Work for You

The best part? We handle the switch behind the scenes.

Once you’re in the application process with us, we’ll continue to monitor rates from your chosen lender and the wider market. If we spot a better option that suits your criteria, we’ll confirm with you and then manage the paperwork.

You get peace of mind knowing someone is always working in your best interest - even after the forms are signed.

Final Thoughts

Applying for a mortgage is one of the biggest financial decisions you’ll make. Our Rate Promise is one way we make that journey safer, smoother, and more cost-effective.

Key takeaways: ✓ We monitor rates for you - even after application ✓ If a better deal comes along, we’ll switch you automatically ✓ It’s free, proactive, and part of our commitment to your long-term savings

Want expert advice with built-in savings support? Contact the team at Endurance Mortgages today and apply with confidence.

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Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. A fee may be charged for mortgage advice. The exact amount will depend on your circumstances.

Endurance Mortgages Ltd is an appointed representative of The Right Mortgage Ltd which is authorised and regulated by the Financial Conduct Authority. Registered in England and Wales no. 15060351. Registered Address: Worting House, Church Lane, Basingstoke, Hampshire RG23 8PX.