The UK’s smartest mortgage rate tracker
Theo watches your mortgage every day: the rates lenders are publishing for your loan to value band, how they are moving, and what switching would really cost you once fees and early repayment charges are counted. Set it up once. Theo tells you when it matters.
Quick answer
Theo is a mortgage rate tracker for the years between deals. It checks your mortgage against live rates from 100+ UK lenders every day, matched to your loan to value band, property type and ownership, and shows the monthly difference, the fees and any early repayment charge.
It sends alerts when your fix is ending, when rates in your band move and when Bank Rate changes. Theo is free to download, with free core features. Theo Premium is £9.99 a month, with a 7 day free trial.
Updated today
What the mortgage rate tracker checks daily
- Your rateAgainst today’s best at your band.
- Your bandHow far to a cheaper one.
- Your fixHow long until it ends.
- The marketWho repriced, and which way.
A mortgage rate tracker that watches every day
The dashboard shows your loan to value and the next band, today’s rates against yours with fees and charges listed, and fixed or tracker side by side when your deal is ending.
One adviser. Never a bidding war.
Theo is not a lead site. Your details are never sold or shared with a panel. If you want an adviser, you connect to one yourself, and you can disconnect in one tap.
Comparing apps?
See how Theo stacks up.
A comparison site, or a mortgage rate tracker?
| Comparison sites | Theo | |
|---|---|---|
| Checks your mortgage | Once, when you search | Every day |
| Matched to your band and property | Partly | Yes |
| Fees and early repayment charges | Rarely counted | Listed, with the months to cover them |
| Alerts | No | 14 types |
| Several properties | No | Yes |
| Works for | Lenders who pay for leads | You |
What is moving rates, this morning
The signals behind the averages: what lenders fund fixes at, inflation, the housing market and who repriced today.
Updated . What are swap rates? · Who moved today
How the Theo mortgage rate tracker works
Add your mortgage: the property value, your balance, your rate and when your fixed rate ends. It takes a few minutes and needs no bank connection. Every morning Theo checks the rates 100+ UK lenders are publishing for your loan to value band, property type and ownership, and works out what you would pay on the best of them.
When something changes that matters to you, Theo sends an alert. When you want a qualified person involved, you can connect to an FCA-authorised adviser of your choosing. Theo gives you the information; the adviser gives the advice.
What Theo watches for you
Market Signals shows which lenders cut or raised their rates today. Rate Movement charts how rates in your band have moved over 1 week, 4 weeks, 3 months and 1 year. Rate Intelligence reads swap rates, inflation and Bank Rate to show which way the pressure is pointing. See mortgage interest rates explained.
Savings Intelligence and alerts
Savings Intelligence compares what you pay now with today’s best rate for your band, lists the fees and any early repayment charge separately, and works out how many months the saving takes to cover them. Mortgage rate alerts cover 14 events, from your fix ending to a lower loan to value band. Theo is free to download, with free core features. Theo Premium is £9.99 a month, with a 7 day free trial.
Built for every kind of mortgage
Theo handles residential, buy to let, HMO and limited company mortgages, and several properties at once. It shows your route to a cheaper loan to value band, fixed or tracker side by side when a deal is ending, and, with two or more properties, whether moving borrowing between them could save money. Its 21 Smart Tools cover remortgaging, your equity, buying a home, buy to let and debt and credit.
Your data, your choice
Theo is not a lead site and never sells your details. If you choose to connect to an adviser, you connect to exactly one, using their code or link, and see their firm before anything is shared. Disconnecting takes one tap and removes their view immediately. Advisers using Theo are FCA-authorised and can be checked on the FCA Register. Theo provides information, not regulated advice.
Common questions
What is a mortgage rate tracker app?
How does Theo track mortgage rates?
Is Theo free to use?
Which UK lenders does Theo track?
What does ERC mean and why does it matter?
Does Theo give mortgage advice?
Can Theo track multiple properties?
What is the difference between Theo and a mortgage comparison website?
Does Theo share my details with multiple mortgage brokers?
Can I disconnect from my mortgage adviser on Theo?
Do I need a mortgage broker to use Theo?
Keep exploring
Mortgage interest rates explainedWhat decides the rate you are offered, band by band.
Remortgaging explainedHow it works, when to start and what it costs.
Your equity explainedWhat you own, and what it can open up.
Buying a homeEvery step, every cost, and the tools for each.
Buy-to-let mortgages explainedHow they work, what they cost, the rules.
Mortgages and debtWhat lenders check, and what helps.
Theo App Ltd is not authorised by the Financial Conduct Authority and does not give mortgage advice. This page is information only and is not a recommendation. Average rates update daily. Theo is free to download, with free core features. Theo Premium is £9.99 a month, with a 7 day free trial. Not advice. Speak to an FCA-authorised mortgage adviser about your own circumstances.
Your home may be repossessed if you do not keep up repayments on your mortgage.