The best mortgage tracking apps in the UK, honestly compared
Most mortgage apps help you buy a home or overpay one. Very few watch the market for you once your mortgage is running. Here is how the best mortgage tracking apps in the UK compare, feature by feature, with the job each one does best.
Quick answer
The best mortgage tracking app depends on the job. For watching an existing mortgage every day, with rates across 100+ lenders, fees and charges counted and several properties supported, Theo is the most complete. For automatic overpayments and cashback, Sprive is the strongest. For quick sums, a calculator app. For a first purchase, FirstHomeCoach.
Theo publishes this page and is one of the apps compared, so where a rival does a job better, we say so.
Updated today
Two kinds of mortgage app
- ToolsCalculators and buying helpers, for one moment.
- MonitorsWatch your mortgage between deals.
Why Theo leads the best mortgage tracking apps
Theo reads the market each morning, rates in your loan to value band, the fees and charges of switching and your fix end date, and tells you when something changes.
Transparency first
Theo App Ltd publishes this page and makes one of the apps. Every app is judged on the same public criteria, and where a rival does a job better, we say so plainly.
Weighing up Sprive?
Read the full review.
The best mortgage tracking apps, job by job
| If you want to | Use |
|---|---|
| Watch your mortgage and the market every day | Theo |
| Overpay automatically from your bank, with cashback | Sprive |
| Do a quick sum, offline | A calculator app |
| Be guided through a first purchase | FirstHomeCoach |
What a mortgage tracking app watches
The signals Theo read this morning. Calculator and overpayment apps do not track these.
Updated . Who moved today · Is Sprive worth it?
The best mortgage tracking apps compared, feature by feature
“Not published” means we could not confirm it from public sources, not that it is missing. Features change, so check each app’s current listing.
| Feature | Theo | Sprive | Calculator apps | FirstHomeCoach |
|---|---|---|---|---|
| Tracks your live mortgage | Yes | Yes | No | No |
| Property value and equity | Yes | Yes | No | No |
| Daily rates across 100+ lenders | Yes | Not published | No | No |
| Which lenders moved today | Yes | Not published | No | No |
| Alerts as your fix ends | Yes | Not published | No | No |
| Fees and early repayment charges counted | Yes | Not published | No | No |
| Loan to value band tracking | Yes | Partly | No | No |
| Several properties and buy to let | Yes | No | No | No |
| Automated overpayments and cashback | No | Yes | No | No |
| Quick offline sums | 21 Smart Tools | No | Yes | Partly |
| First time buyer journey | Buying guides and tools | No | No | Yes |
| iPhone and Android | Yes | Yes | Yes | Yes |
Theo: best for watching your mortgage every day
Theo is a mortgage tracking app for iPhone and Android, built to watch an existing mortgage rather than help you get one. Market Signals checks 100+ UK lenders each morning and shows which cut or raised their rates. Savings Intelligence compares your rate with today’s best for your band and lists the fees and any early repayment charge. Rate Movement charts how your band has moved, and 14 alert types cover everything from your fix ending to a lower band. It handles several properties, buy to let and limited company mortgages. Theo is free to download, with free core features. Theo Premium is £9.99 a month, with a 7 day free trial.
Watch out: it does not automate overpayments, and it is newer than the long established names.
Sprive: best for automatic overpayments
Sprive links to your current account through Open Banking, works out what you can afford to put aside, and sends it to your lender as an overpayment, along with cashback earned buying retailer gift cards in the app. It is free, and earns commission when users remortgage through it. It is built around one mortgage, and does not publish a daily lender rate feed. See our Sprive review.
Calculator apps: best for quick sums
Several apps share names like Mortgage Calculator UK. They do fast, no account sums: repayments, Stamp Duty, loan to value and overpayments, often offline. They answer “what would this cost?” but do not track your mortgage or the market once you close them. Theo’s free repayment and borrowing calculators on this site do the same job.
FirstHomeCoach: best for a first purchase
FirstHomeCoach guides first time buyers step by step, with affordability and deposit tools and connections to brokers and solicitors. Once you own the home, its job is largely done. See buying a home, step by step.
When Theo is not the right choice
Even among the best mortgage tracking apps, no single app does every job. If you want to overpay automatically from spare cash, Sprive is built for that. If you only need one quick sum, a calculator is faster. If you have not bought yet, a buying guide fits better. Whichever app you use, they provide information, not regulated advice, so speak to an FCA-authorised adviser before acting.
Common questions
What is the best mortgage tracking app in the UK?
Which app is best if I want to overpay my mortgage?
What is the best app to track mortgage rates daily?
Which mortgage app works for multiple properties or landlords?
Are mortgage tracking apps free to use?
Can a mortgage app tell me when to remortgage?
Keep exploring
Is Sprive worth it?The Sprive app reviewed, against Theo.
Mortgage rate alertsAll 14 alerts Theo can send.
Rate movementHow rates in your band have moved.
Am I overpaying on my mortgage?Savings Intelligence, checked daily.
Mortgage rates todayToday’s averages and how many lenders moved.
What happens when your fixed rate ends?Your options, the timeline and the cost of waiting.
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. Published by Theo App Ltd, one of the apps compared. App names belong to their owners. 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.