When you’re applying for a mortgage, interest rates aren’t just numbers on a page — they’re what determine how much your monthly payments will be, and how much you’ll pay overall. At Riviera Mortgages, we understand how important it is to lock in the right rate — and to do it at the right time.

That’s why one of the key ways we support you during the mortgage application process is by monitoring lender rates constantly. Our aim? To make sure you’re on the most suitable rate available, even if that rate changes after you’ve already applied.

Rates Move — And So Can You

Here’s the good news: just because you’ve submitted your mortgage application doesn’t mean you’re stuck with the original rate. In fact many lenders allow changes before your deal is finalised, and we make it our business to track those changes on your behalf.

If a better deal becomes available with your chosen lender, and you meet the criteria, we’ll step in to secure it for you, potentially saving you hundreds or even thousands over the life of your mortgage.

Why It Matters

• 🔍 Markets can shift quickly — Especially in times of economic change, lenders regularly adjust their products.

• 💷 A lower rate = lower monthly payments — Even a small drop in interest can make a big difference.

• 📆 We watch rates daily — So you don’t miss out during the processing period.

• 🤝 It’s all part of the service — We believe our clients deserve the most suitable deal, not just the first one they see.

Tailored, Ongoing Support

Unlike some brokers or online services that leave you on autopilot once you’ve submitted your application, we stay on it, all the way to completion.

If a more competitive product comes along, we’ll:

1. Check its a better fit for you

2. Talk through the change and any implications

3. Handle the update with the lender — no extra stress for you

Securing What’s Right for You

At Riviera Mortgages, we’ve been helping clients across Torbay and beyond for over 30 years — and we know that flexibility and timing are just as important as finding the right lender. That’s why our mortgage support isn’t one-size-fits-all.

We’re here to keep an eye on the market — and your mortgage — right up until the keys are in your hand.