Market Signals —
UK mortgage rates today,
lender by lender
Theo monitors 27+ UK mortgage lenders every hour, tracking exactly which lenders have changed their 2-year and 5-year fixed rates today — and by how much. See mortgage rates today across the whole market, lender by lender, before your fixed term ends.
FOR INFORMATION ONLY · NOT FINANCIAL ADVICE
Your daily mortgage market briefing — at a glance
Every morning when you open Theo, Market Signals is already working. You’ll see a live count of how many UK lenders cut, raised, or held their fixed rates overnight — along with a Theo Signal summarising the overall market direction.
No spreadsheets. No mortgage news sites. No waiting for your broker to call back. Just a clear, real-time picture of what the UK mortgage market is doing today.
- Live count: lenders reduced / increased / unchanged
- Theo Signal — daily market direction summary
- Today’s biggest movers with sparkline trend charts
- Market heatmap — all lender activity at a glance
“Most people only think to check rates when their fixed term is ending. I’m checking 27+ lenders every hour, so you’ve already got a head start — whenever that day comes.”
From my experience advising clients over the years, I can tell you that most people have no idea their lender repriced overnight. By the time they call me, they’ve already committed to a rate that was quietly increased two weeks ago. Market Signals was built to fix exactly that — to give everyday homeowners the same real-time picture of the market that brokers and lenders work with every day.
Unusual lender behaviour — flagged automatically
Market Signals doesn’t just tell you what happened — it tells you what matters. The Opportunity Radar automatically highlights the three most significant signals in the market each day.
Largest daily mover
The lender with the single biggest fixed rate change today — up or down — surfaced immediately.
Know the biggest swing before anyone else does.Rapid rate reductions
Lenders making multiple consecutive cuts are flagged — a strong signal of aggressive market competition.
Rate wars are short-lived. Theo catches them early.Newly competitive lenders
When a lender drops below the market average for the first time, Theo flags them as newly competitive.
These are often the deals borrowers miss entirely.
Every lender, every movement, filterable in one tap
Open the full Market Signals panel to see all 29 lenders Theo monitors, with each one showing its 5-year and 2-year fixed rate, today’s movement, and a live “Theo spotted” insight explaining what changed and why it might matter.
Filter instantly by Rates Down, Rates Up, or No Change to focus on exactly what you care about — whether that’s finding lenders cutting rates right now, or keeping an eye on one that’s recently increased.
- All monitored lenders in one filterable list
- 5-year and 2-year fixed rates shown side by side
- “Theo spotted” — plain-English insight per lender
- Sorted automatically by size of movement
Real-time mortgage rate intelligence — explained
Theo pulls live rate data
Every hour, Theo queries rate data across 27+ UK mortgage lenders, covering 2-year and 5-year fixed rate products across multiple loan-to-value bands.
Movements are calculated
Each lender’s current rate is compared to the previous reading. Any change — up or down — is recorded with the exact basis point movement and direction.
Theo Signal is generated
The Theo Signal summarises the overall market direction — whether the market is broadly cutting, broadly increasing, or in a holding pattern.
Opportunity Radar fires
The Opportunity Radar scans for unusual behaviour — the largest single-day mover, rapid consecutive cuts, and lenders newly below the market average.
You open Theo
You see the full picture in seconds — market direction, biggest movers, the heatmap, and the Opportunity Radar — updated since you last checked.
Speak to a broker
Market Signals gives you the information. When you’re ready to act, connect with a qualified mortgage adviser before making any decisions.
Tap any lender for the full story behind the number
Premium unlocks a dedicated intelligence panel for every lender — showing today’s, 7-day, and 30-day rate movement, a visual trend chart, and a plain-English Theo Intelligence summary explaining what’s driving the change.
You can also set an alert for that specific lender, so you’re notified the moment they move again.
“Coventry BS just cut their 5-year fixed by 0.10% — their third reduction this month. That’s usually a sign they’re trying to climb the best-buy tables. Worth a closer look if you’re remortgaging onto a 5-year deal.”
Start free. Unlock more when you’re ready.
The core Market Signals dashboard is completely free. Premium unlocks the full intelligence layer — lender names, Theo’s per-lender insight, and historic sparklines.
Core market intelligence
Full mortgage market intelligence
While advising clients over the years I find that the biggest mistake remortgage customers make is waiting until their fixed rate ends to start looking. By that point, the best rates have already gone. Market Signals is designed to help you track the market for months in advance — so when the window opens, you’re ready to move, not scrambling to catch up.
Everything you need to know about Market Signals
What is Theo’s Market Signals feature?
How often does Theo update UK mortgage rate data?
Which UK mortgage lenders does Theo monitor?
Is Theo’s Market Signals feature financial advice?
Where can I see UK mortgage rates today, lender by lender?
What is the Opportunity Radar in Theo?
Do I need to pay to use Market Signals?
How is Theo App different from checking lender websites directly?
Is the data in Market Signals accurate?
The UK mortgage market moves every day.
Now you can move with it.
Download Theo free and get live market signals, rate alerts, portfolio tracking, and remortgage intelligence — all in one app.
Download Theo on the App Store
FOR INFORMATION ONLY · NOT FINANCIAL ADVICE
THEO APP LTD
MONITORED HOURLY · DATA INDICATIVE ONLY · ALWAYS VERIFY WITH YOUR LENDER OR ADVISER
More to explore in the app
Every feature works together — savings, market signals, and rate history — all in one free download.