diff --git a/rtls/config.go b/rtls/config.go
index 108a16774..87d012602 100644
--- a/rtls/config.go
+++ b/rtls/config.go
@@ -30,15 +30,16 @@ const (
 // should appear in the returned certificate. If noverify is true, the client will not verify
 // the server's certificate.
 func CreateClientConfig(certFile, keyFile, caCertFile, serverName string, noverify bool) (*tls.Config, error) {
-	var err error
-
 	config := createBaseTLSConfig(serverName, noverify)
 	if certFile != "" && keyFile != "" {
-		config.Certificates = make([]tls.Certificate, 1)
-		config.Certificates[0], err = tls.LoadX509KeyPair(certFile, keyFile)
+		mc, err := newMonitoredCertificate(certFile, keyFile)
 		if err != nil {
 			return nil, err
 		}
+		config.GetClientCertificate = func(info *tls.CertificateRequestInfo) (*tls.Certificate, error) {
+			// Get() will never return nil
+			return mc.Get(), nil
+		}
 	}
 	if caCertFile != "" {
 		asn1Data, err := os.ReadFile(caCertFile)
@@ -61,14 +62,15 @@ func CreateClientConfig(certFile, keyFile, caCertFile, serverName string, noveri
 // client. If mtls is MTLSStateEnabled, the server will require the client to present a
 // valid certificate.
 func CreateServerConfig(certFile, keyFile, caCertFile string, mtls MTLSState) (*tls.Config, error) {
-	var err error
-
 	config := createBaseTLSConfig(NoServerName, false)
-	config.Certificates = make([]tls.Certificate, 1)
-	config.Certificates[0], err = tls.LoadX509KeyPair(certFile, keyFile)
+	mc, err := newMonitoredCertificate(certFile, keyFile)
 	if err != nil {
 		return nil, err
 	}
+	config.GetCertificate = func(info *tls.ClientHelloInfo) (*tls.Certificate, error) {
+		// Get() will never return nil
+		return mc.Get(), nil
+	}
 	if caCertFile != "" {
 		asn1Data, err := os.ReadFile(caCertFile)
 		if err != nil {
diff --git a/rtls/monitor.go b/rtls/monitor.go
new file mode 100644
index 000000000..3a74b8edf
--- /dev/null
+++ b/rtls/monitor.go
@@ -0,0 +1,83 @@
+package rtls
+
+import (
+	"crypto/tls"
+	"log"
+	"os"
+	"sync/atomic"
+	"time"
+)
+
+// monitorFiles watches the given files for changes, calling the supplied callback when a
+// change is detected. The callback is passed a slice of the files that changed. The loop
+// never terminates, so it's expected the caller will invoke this in a goroutine.
+func monitorFiles(files []string, cb func([]string)) {
+	mtimes := make([]time.Time, len(files))
+	for {
+		var changed []string
+		for n, file := range files {
+			info, err := os.Stat(file)
+			if err != nil {
+				continue
+			}
+			if !mtimes[n].IsZero() && info.ModTime() != mtimes[n] {
+				changed = append(changed, file)
+			}
+			mtimes[n] = info.ModTime()
+		}
+		if changed != nil {
+			cb(changed)
+		}
+		time.Sleep(2 * time.Second)
+	}
+}
+
+// monitoredCertificate watches the given certificate and key files for changes, reloading
+// the certificate if a change is detected.
+type monitoredCertificate struct {
+	certFile string
+	keyFile  string
+	// This holds a *tls.Certificate which can be updated from another goroutine, so use
+	// an atomic value to synchronize access
+	cert atomic.Value
+}
+
+// newMonitoredCertificate loads the certificate and key and spawns a goroutine to watch
+// the files for changes.
+func newMonitoredCertificate(certFile, keyFile string) (*monitoredCertificate, error) {
+	mc := &monitoredCertificate{
+		certFile: certFile,
+		keyFile:  keyFile,
+	}
+	// Prime the cached certificate and induce any errors immediately
+	if err := mc.load(); err != nil {
+		return nil, err
+	}
+	// Now start watching for changes
+	go monitorFiles([]string{certFile, keyFile}, func(changed []string) {
+		if err := mc.load(); err != nil {
+			log.Printf("error reloading certificate %s, not replacing: %s", certFile, err)
+		} else {
+			log.Printf("reloaded certificate %s", certFile)
+		}
+	})
+	return mc, nil
+}
+
+// load reads the certificate and key files from disk and caches the result for Get()
+func (mc *monitoredCertificate) load() error {
+	cert, err := tls.LoadX509KeyPair(mc.certFile, mc.keyFile)
+	if err != nil {
+		return err
+	}
+	mc.cert.Store(&cert)
+	return nil
+}
+
+// Get returns the certificate.
+//
+// This will never return nil provided the monitoredCertificate object was created via
+// newMonitoredCertificate(),
+func (mc *monitoredCertificate) Get() *tls.Certificate {
+	return mc.cert.Load().(*tls.Certificate)
+}