Free mortgage timeline · fixed, tracker and SVR
Know the dates on your mortgage before they cost you money.
Your fixed rate ends on a date. Your early repayment charge steps down on dates. Your overpayment allowance resets on a date, and the window to lock a new deal opens on one. Lenders tend to tell you late, if at all. Add your mortgage and see every date on one timeline, free. For a single payment, from £5.99, we watch them and email you on the day.
See my timeline Buying, or paying down a mortgage? Start here.
Where is your mortgage right now?
Where the money goes when a date is missed
Four dates sit inside almost every mortgage. The timeline finds yours.
Drifting onto the SVR
When a fixed or tracker deal ends and nothing replaces it, you move to your lender's standard variable rate. The Bank of England's latest revert-to-rate figure is 6.58%, against 5.13% for a quoted 2-year fix at 75% loan-to-value.
about £242 a month on £200,000 · Bank of England, 2026-09-30Leaving a fix at the wrong time
An early repayment charge usually steps down on dates written in your offer. A switch that loses money today can pay for itself after the next step. The calculator finds the month it flips; the watch tells you when it does.
Losing an overpayment allowance
Most deals let you overpay a set amount each year without a charge. It resets on a date that depends on your lender, and what you do not use is gone. Each lender's rule has its source and the date we checked it.
Missing the lock window
Lenders let you secure a new deal months before the old one ends, and the window differs by lender. It is usually the cheapest moment to act, and lender letters can arrive close to the date.
What is free, and what is paid
Free
£0No account, no email, nothing stored.
- Your mortgage timeline: every date that matters, worked out from your own paperwork
- What doing nothing costs each month, and whether leaving your fix early pays for itself
- The what-if slider for overpayments and lump sums over the whole loan
- Buying: monthly payment, stamp duty, cash to complete and every kind of deal compared
- Your lender's overpayment rule and when it resets, sourced and dated
- Bank of England rates for your deposit size, with the month they belong to
The watch
From £5.99Once per deal, priced by how long the deal has left to run. It ends when your deal does, and nothing renews.
- Up to 1 year£5.99
- Up to 2 years£8.99
- Up to 3 years£11.99
- Up to 4 years£14.99
- 5 years or more£17.99
- We check your mortgage every day, until your current deal ends
- An email on each date that changes your position: a charge stepping down, your allowance resetting, the day you can lock a new deal
- An email when the answer to “is leaving early worth it” flips
- If you have locked a new deal, a daily like-for-like check until it starts
- From six months out, a decision pack: what doing nothing costs, your lender's offer benchmarked, and a one-page memo for a broker or adviser
- Plain explanations and a checklist before you sign
The rule we use: if it can be worked out once from what you type, it is free. If it needs someone to keep watching and to contact you first, it is the watch.
The live demo shows a watched account before you pay anything.
Not sure where to begin?
There is a free calculator for each stage of a mortgage. Your numbers carry from one to the next.
Why the numbers can be trusted
You pay us, lenders and brokers do not
Free rate alerts are paid for by lenders or brokers when you switch. We charge you once per deal and take no commission, so nothing here steers you to a product.
Every figure has a source and a date
Your numbers come from your paperwork. Market figures come from the Bank of England, the Land Registry and the official stamp duty pages, each shown with the date it belongs to.
Information, not advice
We show what each option costs and the date it changes. For advice on your circumstances, speak to an adviser regulated by the FCA.
Frequently asked questions
Is the timeline really free?
Yes. There is no account, no email and nothing is stored. It works out your dates and costs from the numbers you type.
What does the watch cost, and what does it cover?
It is a single payment, £5.99 to £17.99 depending on how long your deal has left. It covers a daily check on your mortgage until your current deal ends, an email on each date that matters, and a decision pack from six months before the end. Nothing renews.
Free rate alerts exist. Why pay for this?
Free alerts tell you when a product's rate changes, and the businesses behind them are paid when you take one. They do not know your early repayment charge dates, your allowance reset or your lender's lock window. The watch is built on your own contract, and nobody earns anything from what you choose.
What if I change lender or take a new deal?
The watch covers the deal you bought it for and ends on that deal's end date. A new deal gets its own watch.
What do you store about me?
The timeline stores nothing. Buying a watch stores the mortgage details and email address needed to send your alerts, as set out in the privacy policy.
Is this financial advice?
No. It shows what each option costs and the dates that change it. For advice on your circumstances, speak to a mortgage adviser regulated by the FCA.