Ratey watches the market so you keep the dollars.
No credit checks. No brokers calling at dinner. Just smart math that alerts you when a deal is worth the switch.
No Credit checks. No impact on your score.
Monthly Repayment Change
Market Health
Competitive
Switch Gain
+$4,944/yr
Smart Insight
"A major lender just dropped rates for your specific bracket. Even after switch fees, you reach break-even in 2.9 months."
Know the second it's worth it.
Most tools show you data noise. Ratey shows you outcomes. We subtract fees, legal costs, and headaches before we buzz you.
Smart Alerts
Only hear from us when market rates drop enough to actually matter. No spam, just signal.
Fee-Aware Math
We factor in setup and exit fees automatically. You see the true net profit, down to the cent.
Private Monitoring
We scan the market while you sleep. Your data is your own—never sold, never shared.
Secure. Private. Quiet.
No Credit Footprint
We never pull your credit file. Using Ratey will never affect your credit score or ability to get a future loan. Period.
Total Data Control
Bank-grade AES-256 encryption. Export your summaries for your bank or delete your account with one click anytime.
Simple Plans.
Snapshot
Best for a check-up on where you stand.
- One-time repayment math
- Monthly market check-in
Monitor
For total peace of mind 24/7.
- 24/7 Smart monitoring
- Fee-aware switch math
- Encrypted document vault
Ready for total clarity?
Join 12,000+ homeowners watching their rates. Takes 2 minutes. No credit check required.