Traditionally, homeowners consider switching their mortgage only when they come to the end of an introductory fixed-rate period (provided they remember, that is). However, this may change following the introduction of the new smartphone app Dashly, which aims to help users discover when they could save money by switching to a new mortgage, and to facilitate the switch.

Dashly’s roll-out is being overseen by the financial regulator, the Financial Conduct Authority, as part of its “sandbox” scheme, where 29 start-ups test their financial product under the regulator’s supervision. At the time of writing, you can’t just get the app from Apple App Store or Google Play – you’ll need to join a waiting list by submitting your email address.