Download on the App Store
UK Mortgage Intelligence App

The mortgage rate tracker

that works while you sleep.

Theo monitors 100+ UK lenders every day, calculates your real saving after ERC, and tells you the moment it makes sense to switch — without needing a broker.

100+ UK lenders tracked daily Net saving after ERC calculated Portfolio-wide monitoring Free to download
Download Free on App Store See how it works
For information only · Not financial advice
100+
UK lenders monitored
10k+
Live deals checked daily
£0
Free to download
6
Intelligence features
The feature suite

Six ways Theo tracks and optimises your mortgage

No other UK mortgage rate tracker app covers this much ground. Savings, signals, history, overpayment strategy, acceleration and equity — all in one place.

Savings Intelligence

Checks your mortgage against the whole market every day and shows your real net saving after ERC. For every property you own.

Explore Savings Intelligence

Market Signals

See who cut, raised or held their mortgage rates today — across 100+ UK lenders — the moment changes are published. Free.

Explore Market Signals

Rate Movement

Chart how UK mortgage rates have trended over weeks, months and years. See peaks, drops and where the market is heading.

Explore Rate Movement

LTV Band Optimisation

Find out if a strategic overpayment would drop you into a lower LTV band — and exactly how much you’d save in rate reductions over time.

Coming soon

Mortgage Accelerator

Model overpayment scenarios and see exactly how many years and thousands of pounds you can cut from your mortgage term.

Coming soon

Equity Optimisation

Track your equity position across your portfolio and understand how changing property values affect your mortgage options.

Coming soon
How it works

Your mortgage rate tracker, explained

Four steps from download to knowing exactly where you stand in the market.

1

Add your mortgage

Enter your property details, current rate, lender and fixed term end date. Takes under two minutes.

2

Theo scans the market

Every day, Theo checks 10,000+ live deals from 100+ UK lenders, matched to your exact LTV band and property type.

3

See your real saving

Theo calculates your net saving after any Early Repayment Charge — so you always know the true picture, not just whether a lower rate exists.

4

Act when it counts

When the numbers stack up, Theo tells you. Then you decide — speak to an adviser, switch, or keep watching.

Why Theo

The only UK mortgage rate tracker that does the maths

Other tools show you rates. Theo shows you whether switching is actually worth it — today.

Comparison websites & other apps

One-off snapshot of today’s rates
No Early Repayment Charge calculation
Single mortgage only — no portfolio view
Requires broker involvement to proceed
No daily market movement tracking
VS

Theo — Mortgage Rate Tracker

Daily monitoring — the market checked every morning
Net saving after ERC — the number that actually matters
Full portfolio — every property tracked simultaneously
Self-serve — you’re always in control, no broker required
Live market signals — see who moved rates today
“

“A mortgage rate tracker that gives you an answer for today is useful. One that gives you the answer every day is transformative.”

Jason Foord Director, Verifi Mortgages Ltd · CeMAP Qualified Mortgage Broker
Common questions

Everything you need to know about mortgage rate tracking

Answers to the most common questions about Theo and how mortgage rate tracker apps work.

A mortgage rate tracker app monitors live UK mortgage rates from multiple lenders and alerts you when rates change. Theo tracks 100+ UK lenders daily, shows which lenders cut or raised their rates, and calculates whether switching would save you money after accounting for any Early Repayment Charge (ERC).
Theo connects to a live UK mortgage database covering 100+ lenders and 10,000+ mortgage products. Every day it checks your existing mortgage against the current best available rates, matched to your exact LTV band, property type and ownership structure, and shows you your real net saving after any ERC.
Yes. Theo is free to download on the App Store. Core features including Market Signals (daily rate movements) are completely free. Premium features including personalised Savings Intelligence require a Theo Premium subscription, which includes a free trial.
Theo tracks over 100 UK mortgage lenders including high street banks, building societies and specialist lenders — including Halifax, Nationwide, Barclays, NatWest, Coventry BS, HSBC, Santander and many more. Updated every day.
No. Theo provides mortgage rate tracking information only — it is not financial advice and is not a regulated mortgage adviser. The information Theo provides should be used to inform conversations with a qualified, FCA-authorised mortgage adviser before making any decisions.
Yes. Theo is designed for portfolio monitoring. You can add multiple properties and mortgages, and Theo will check every one daily against the live market — showing savings opportunities across your entire portfolio.
ERC stands for Early Repayment Charge — a penalty your lender may charge if you switch mortgage before your fixed term ends. Theo calculates your net saving after deducting any ERC, so you can see whether switching is genuinely worthwhile right now.
Mortgage comparison websites give you a one-time snapshot of available rates. Theo monitors your mortgage every single day and alerts you when the market moves in your favour. It also calculates your net saving after ERC — something comparison sites don’t do.

The UK’s most intelligent
mortgage rate tracker.
Free to download.

Stop checking rate tables manually. Let Theo do it every day — and tell you the moment switching makes financial sense.

Download Theo Free — App Store

For information only. Not financial advice. Developed and owned by Theo App Ltd. Verifi Mortgages Ltd can provide regulated mortgage advice if required.