“Hop nudged me to remortgage six months early. Locked in a rate before the jump and saved hundreds a month.”
Priya S.
Remortgaged, Manchester
Stop hoping, start hopping
Secure your new rate up to 12 months in advance of your deal ending. If rates drop, we'll hop you to the new rate. It's a no-brainer!
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WHOLE-OF-MARKET ACCESS TO 90+ UK LENDERS
Stop hoping, start hopping
Secure your new rate up to 12 months in advance of your deal ending. If rates drop, we'll hop you to the new rate. It's a no-brainer!
How does
it work?
We reserve today's rate for you — then watch the market so you win either way.
What if…
We reserve today's rate
Hop locks in 4.42% for you up to 12 months before your current deal ends.
Rates climb to 5.18%
The market moves against everyone else — but you're already protected.
You complete on the lower rate
Your reserved rate is yours. You sidestep the rise and save hundreds a month.
The Hop promise
Rates rise, you're protected.
Rates fall, we hop you over.
It's a win-win. Every time.
If rates rise
You keep today's reserved rate
If rates fall
We hop you to the cheaper one
Stories from
hoppers
Real Hoppers who switched early and saved.
“I'd have stayed on my lender's SVR out of sheer laziness. Hop hopped me onto a new deal in an evening.”
James O.
Remortgaged, London
“Rates went up the week after we switched. Hop's timing was spot on — felt like we'd dodged a bullet.”
Aisha & Tom
Remortgaged, Bristol
“No jargon, no endless forms. Hop compared the whole market and found a better deal than my bank offered.”
Marcus K.
Remortgaged, Leeds
“The Hop team called me before my fix ended and walked me through the options. Saved me thousands over the term.”
Sophie R.
Remortgaged, Brighton
Trusted by Hoppers everywhere
Excellent on Trustpilot
4.9 out of 5 · based on 1,200+ Hopper reviews
Frequently asked
The bits everyone
wonders about.
Most first-time buyers can borrow 4.5x their income — some lenders go up to 5.5x. Chat with us for 5 minutes and we'll give you a real number, not a guess.
We can find deals from 5% deposit, and even 100% mortgages for the right applicants. The bigger the deposit, the better the rate — but don't let a small one stop you starting.
No. We do a soft search to give you a Decision in Principle. Only when you find a property and apply for the full mortgage does a hard search happen.
Decision in Principle: same day, often within an hour. Full offer from the lender: typically 2–3 weeks once you've found a property. We chase the lender so you don't have to.
Nothing until you complete. We're paid by the lender, and we'll always tell you upfront if a small broker fee applies — most of the time it's £0 to you.
Yes. We work with lenders who specialise in self-employed, contractor, and non-standard income. One year of accounts is often enough.
Five minutes. One chat.
Let's get you hopping.
Find out what you could borrow, reserve today's rate, and hop into your first home.
No credit check · No commitment · No jargon