Smart mortgage rate alerts that tell you when to act
Theo checks 100+ UK lenders every day and sends mortgage rate alerts when something changes that matters to you: your loan to value band, your fix end date, your current deal. Not generic rate news.
Quick answer
Theo’s mortgage rate alerts are push notifications matched to your mortgage. There are 14 types, from your fix ending (at 12, 9, 6, 3, 2 and 1 months) to Bank Rate decisions, a lower loan to value band, and a deal cheaper than yours.
Bank of England and fix ending alerts are free. Alerts on rate movement in your band, Beat My Current Rate, remortgage savings and Rate Outlook changes come with Theo Premium, £9.99 a month with a 7 day free trial.
Updated today
What an alert tells you
- WhichThe property it affects.
- WhatWhat changed, and by how much.
- CostThe fees and charges of acting.
Mortgage rate alerts in the app
Every alert opens the screen behind it: Savings Intelligence for a rate alert, your countdown for a fix ending alert, Rate Movement for a band change.
You are in control
- DirectionFalls only, rises only, or both.
- ThresholdThe smallest move worth an alert.
- Master switchPause everything in one tap.
Want the context?
See rate movement.
Free and Premium mortgage alerts
| Alert | Plan |
|---|---|
| Bank of England decisions | Free |
| Fixed rate ending countdown | Free |
| Rate movement in your band | Premium |
| Beat My Current Rate | Premium |
| Remortgage savings | Premium |
| Rate Outlook changes | Premium |
What could trigger an alert today
The market this morning. Theo matches moves like these to your band before it sends anything.
Updated . Who moved today · Rate movement
Every mortgage rate alert Theo can send
Fourteen alerts, each triggered by a real event in the market or in your mortgage.
| Alert | Sent when | Checked |
|---|---|---|
| Your LTV band repriced | The best rate in your band moves by your chosen amount | Daily |
| Beat My Current Rate | A deal cheaper than your current rate exists | Daily |
| Fixed rate ending | 12, 9, 6, 3, 2 and 1 months before your fix ends | Weekly |
| Standard variable rate warning | You have rolled onto your lender’s standard rate | Weekly |
| Bank of England decision | Bank Rate is cut, raised or held | On announcement |
| Remortgage savings | The yearly saving now outweighs your early repayment charge | Daily, at most every 30 days |
| LTV milestone | Your balance takes you into a lower band | Monthly |
| Close to a band | You are within 1% of the next lower band | Monthly |
| Equity milestone | You reach 25%, 40%, 50%, 60% or 75% equity | Monthly |
| Monthly balance | The capital you cleared across your properties | Monthly |
| Portfolio savings | Your total monthly saving improves by £50 or more | Weekly |
| Portfolio optimisation | Moving equity between properties could save money | Weekly |
| Market trends | How your band moved over 4 weeks and 3 months | Monthly |
| Rate outlook changed | Theo’s outlook for rates changes direction | Daily |
How mortgage rate alerts work
Rates are fetched from 100+ UK lenders every weekday morning. Each of your mortgages is then matched against the market for its loan to value band, property type, ownership and current rate. Theo checks your preferences, such as direction, threshold and Beat My Current Rate, and counts the costs of switching before deciding whether to notify you. If the numbers stack up, an alert lands on your phone with the property, the rate and what changed.
Fixed rate ending alerts
Theo tracks your fixed rate end date and alerts you 12, 9, 6, 3, 2 and 1 months before it ends. Lenders let you secure a new deal about six months ahead, and an offer usually lasts about that long, so you can lock in a rate and complete the day your fix ends, paying no early repayment charge. If you do roll onto your lender’s standard variable rate, Theo sends weekly warnings. See what happens when your fixed rate ends.
Loan to value band alerts
Lenders price in 5% loan to value bands, so crossing from 80% to 75% can unlock a cheaper rate. Theo alerts you when your balance takes you into a lower band, and when you are within 1% of the next one, when a modest overpayment could get you there. See loan to value explained.
Bank Rate and market alerts
When the Bank of England announces a decision, Theo alerts you with the old rate, the new rate and the direction, before lenders start repricing. Premium adds alerts when the best rate in your band moves by your chosen amount, a monthly summary of how your band has moved, and an alert when Theo’s Rate Outlook changes direction. See the Bank of England base rate.
Alerts for several properties
Every property gets its own alerts, based on its own band, property type and ownership. Landlords also get a monthly summary of capital cleared across the portfolio, a weekly alert when the total monthly saving improves by £50 or more, and an alert when moving equity between properties could cut the total cost. Alerts are information, not advice: speak to an FCA-authorised adviser before acting.
Common questions
What are mortgage rate alerts?
How do Theo’s mortgage alerts work?
Does Theo send fixed rate expiry alerts?
What is a Beat My Current Rate alert?
Does Theo send Bank of England rate alerts?
Can I get remortgage alerts for multiple properties?
What are LTV band alerts?
Are Theo’s mortgage alerts free?
Keep exploring
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.
Bank of England base rateToday’s rate and the next decision date.
What happens when your fixed rate ends?Your options, the timeline and the cost of waiting.
Best mortgage tracking appsEvery UK option, honestly compared.
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. Theo is free to download, with free core features. Theo Premium is £9.99 a month, with a 7 day free trial. Alerts are information only, 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.