Pay once per deal, from £5.99
The timeline and every calculator are free. What you pay for is the watching: we check your mortgage every day and email you on the dates that matter, until your current deal ends. The price follows how long that is: £5.99 when a year or less is left, rising to £17.99 for five years or more, so a long deal and a short one are not charged the same. You see the exact figure for your own deal before you pay. Take a new deal later and you can buy another watch. Nothing renews.
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
See my timelineThe 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 small print
- One card payment through Stripe. We never see or store your card number, and there is nothing to cancel, because nothing repeats.
- Changed your mind? Email us within 14 days and we will refund you in full. We won't ask why.
- Why we charge you. Free rate alerts are paid for by lenders or brokers, who earn when you take a product. We charge you a small amount instead and take no commission from anyone, so the alerts have nothing to steer you towards.