£7.99, paid once
The timeline is free, and it is the full picture. If you want us to keep watching after that, it costs a single £7.99. That covers your mortgage until your current deal ends, whether that falls next year or in 2031. After that it stops by itself. Take a new deal later and you can buy another watch, but nothing ever renews unless you ask it to.
The timeline
Free- Your mortgage's full runway — fixed, tracker, or SVR
- What doing nothing costs, in pounds per month
- The complete break-even answer, your early repayment charge (ERC) worked month by month
- The what-if slider over the whole life of the loan
- No account, no email, nothing stored
See my timelineThe watch
£7.99, once- Your file recomputed every day until your deal ends
- One email on each day that moves real money — with that morning's figures in it
- An email if the break-even maths changes direction
- Locked a new deal early? We re-check the like-for-like daily until it starts
- Your decision pack from six months out: the do-nothing cost, your lender's offer benchmarked, the broker memo
- Clear explanations and your pre-signing checklist, included
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 it is this cheap. The free tools that do this are paid for by brokers, who earn a commission when you remortgage. We would rather charge you a few pounds and answer to you instead.