Free timeline · fixed, tracker & SVR mortgages
Your mortgage has a next move.
Are you ready for it?
A fixed deal that's ending, a tracker that moves with the Bank of England, or an SVR that's already costing you: whichever one is yours, the letter meant to warn you often lands too late to act on. Add your mortgage in two minutes and see the whole picture: when your early-repayment charge drops, when your overpayment allowance resets, when you can lock a new deal early, or simply what your rate is costing you now. The free version is complete. We don't keep anything back for the paid one.
Where is your mortgage right now?
Why trust WatchMyMortgage
You pay us. Nobody else does.
Free mortgage monitors are paid for by brokers, who earn a commission when you switch. We charge you £7.99 instead.
You can check every figure
Your numbers come from your paperwork. Market rates come from the Bank of England's official database, dated.
We never tell you what to do
We show what each option costs and the date that changes. For advice, speak to an adviser regulated by the FCA.
What the watch does, once you buy it
- £7.99, once, until your current deal ends. No subscription, no card on file, nothing renews.
- We recompute your file every day against the Bank of England's data and email you when a date arrives or the maths changes direction.
- When the end approaches, your decision pack is ready: where you stand, what doing nothing costs, your lender's offer benchmarked, and a one-page memo.
See a live account before you pay anything.