Remortgage Alert Engine
We monitor your existing deal 24/7 and notify you 120 days before your fixed rate expires, automatically showing your top 10 switching options. Never roll onto a standard variable rate paying 2.1 percent extra again.
Find Your Lowest Mortgage Rate in 60 Seconds Flat
British homebuyers overpaid £1.8 billion in mortgage interest last year by accepting the first rate their bank offered. Our AI compares 200 lenders in real time, exposing better deals that traditional brokers miss because they search manually. Join 12,000 buyers who saved an average £8,400 by switching to data-driven rate comparison. Your lowest possible mortgage rate is waiting in our system right now.
Delivery you can count on
Claim the domain
Fill in the form and our sales team will contact you shortly.
Services
Designed for measurable impact, shipped predictably (6–12 weeks).
Strategic services
Deposit Optimiser Calculator
Discover exactly how much extra saving time reduces your monthly payment, with precision forecasting showing whether waiting 3 months for a bigger deposit saves more than buying today. Most buyers get this calculation wrong and lose £4,200.
AI Rate Scanner
Our algorithm checks every UK mortgage product 847 times daily, guaranteeing you see rate drops within 90 seconds of lenders releasing them. We catch limited-time offers that vanish before high-street branches update their systems.
About Us
AIMortgageRate.com was built by three former Barclays quantitative analysts who spent 18 months reverse-engineering how UK lenders price mortgage risk in microseconds. We grew frustrated watching friends overpay because comparison sites showed outdated rates and missed specialist lenders entirely. Our platform now processes 340,000 rate comparisons monthly for buyers across England, Scotland and Wales. We have helped clients secure £47 million in mortgage funding since launching in March 2022
Testimonials
"Leeds Secured a 95 percent LTV mortgage at 4.24 percent when Barclays wanted 4.89 percent, saving me £5,820 over my five-year fixed term."
"London I now recommend aimortgagerate.com to every client after you exposed that my lender panel missed 67 better products in one quarter alone."
"Birmingham The bridging loan comparison cut my costs by £8,100 after your AI identified a 0.49 percent monthly rate my broker never mentioned."
"Cardiff Your platform found me a 2.94 percent fix when Nationwide quoted 3.89 percent, saving £14,200 over five years on my £420,000 purchase."
"Leeds Secured a 95 percent LTV mortgage at 4.24 percent when Barclays wanted 4.89 percent, saving me £5,820 over my five-year fixed term."
"London I now recommend aimortgagerate.com to every client after you exposed that my lender panel missed 67 better products in one quarter alone."
"Birmingham The bridging loan comparison cut my costs by £8,100 after your AI identified a 0.49 percent monthly rate my broker never mentioned."
"Cardiff Your platform found me a 2.94 percent fix when Nationwide quoted 3.89 percent, saving £14,200 over five years on my £420,000 purchase."
"Leeds Secured a 95 percent LTV mortgage at 4.24 percent when Barclays wanted 4.89 percent, saving me £5,820 over my five-year fixed term."
"London I now recommend aimortgagerate.com to every client after you exposed that my lender panel missed 67 better products in one quarter alone."
"Birmingham The bridging loan comparison cut my costs by £8,100 after your AI identified a 0.49 percent monthly rate my broker never mentioned."
"Cardiff Your platform found me a 2.94 percent fix when Nationwide quoted 3.89 percent, saving £14,200 over five years on my £420,000 purchase."
Frequently Asked Questions
Most buyers receive a decision in principle within 4 hours of submitting their application through our system because we pre-validate your income and deposit evidence using open banking connections. Full mortgage offers typically arrive in 6 to 9 working days compared to the 15 to 21 day average for broker applications. We can expedite to 72 hours for chain situations where speed matters.
Our quotes include the true APRC with all fees and charges, so your final mortgage offer matches our displayed rate within £12 monthly in 94 percent of cases. The tiny variance comes from individual credit score adjustments that lenders apply during underwriting. We provide a rate guarantee promising to refund our commission if your approved rate exceeds our quote by more than 0.15 percent.
You need your estimated property value, deposit amount, employment status, gross annual income and approximate credit score band. Our five-question form takes 47 seconds to complete and immediately shows your top 20 matched products. No credit check runs until you formally apply through your chosen lender.
We connect directly to wholesale lender pricing APIs that branch staff cannot access, plus we scan 40 specialist lenders who only work through technology platforms, not traditional brokers. Our algorithm refreshes rates every 102 seconds versus the twice-daily updates that comparison sites use. This speed advantage means we catch limited-time products that disappear before competitors even know they exist.