The UK’s smartest mortgage rate tracker
Theo monitors 100+ lenders every day, calculates your real saving after ERC, and alerts you the moment it’s worth switching. Set it up once — Theo does the rest.
Smart monitoring, built for the UK.
Your rate band, your ERC, your exact LTV — Theo calculates everything that comparison sites ignore.
Rate Alerts
Get a push notification the moment rates in your LTV band move past your threshold — set once and forget.
Learn more →Rate Forecast
Theo analyses swap rates, CPI, and BoE data to forecast whether mortgage rates are likely to rise, fall, or hold over the next 90 days.
Learn more →LTV Optimiser
Theo shows you exactly how much you need to overpay to reach the next LTV band — and what rate improvement that unlocks.
Learn more →Flexible intelligence for every mortgage.
From single-property homeowners to multi-unit portfolio landlords — Theo gives everyone access to the rate intelligence that was previously only available to brokers.
See which lenders moved their rates today
Theo tracks every major UK lender daily and shows you exactly which lenders cut or raised their pricing — so you always know the direction of the market before speaking to anyone.
Explore Market Signals
Your real saving — after ERC, not before
Theo calculates exactly how much you’d save by remortgaging after deducting your Early Repayment Charge. No guesswork. Just the real number, matched to your exact LTV band.
Explore Savings Intelligence
Built around real data
Theo doesn’t estimate. It pulls live rates from the market every morning and shows you exactly where you stand.
Set up in under 3 minutes
No forms to fill. No broker calls required. Theo is built to get out of your way.
Add your mortgage
Enter your property value, mortgage balance, current rate, and fixed term end date. Takes under a minute. No account required to start.
Theo checks the market
Every morning Theo compares your mortgage against the best available rates across 100+ lenders, matched to your exact LTV band, property type and ownership structure.
Get alerted when it matters
Theo sends you a push notification when rates move in your favour — and tells you the real saving after your ERC, so you always know if it’s worth acting.
Talk to a broker when ready
When Theo finds a genuine saving, connect with an FCA-authorised adviser to act on it. Theo gives you the intelligence — the adviser gives you the advice.
Not a comparison site. Something better.
Comparison websites show you one snapshot. Theo watches every day, and tells you when the market actually moves in your favour.
Weighing up your options? See how Theo compares to other UK mortgage apps →
Frequently asked questions
Understand what’s moving rates
Plain-English answers to the questions every UK homeowner asks — kept current by the same daily data Theo runs on.
Mortgage interest rates explained
What actually moves UK mortgage rates — swap rates, inflation and the Bank of England — and why the headline average you read about almost never matches yours.
Read the guide →Should you fix for 2 or 5 years?
There’s no single right answer, and anyone who says otherwise is guessing. Here’s what to weigh up — and how today’s market shifts which one makes sense for you.
Read the guide →When will fixed rates go down?
Nobody can give you a date — but you can watch the things that move first. Here’s what to keep an eye on, and how Theo checks it for you every morning.
Read the guide →Start tracking your mortgage today
Free to download. Set up in under 3 minutes. Theo works quietly in the background and alerts you when there’s a genuine saving to act on.
Theo App Ltd · For information only · Not financial advice