Track rate movement in your exact LTV band
Knowing today’s mortgage rates is useful. Knowing how they have moved in your loan to value band, over weeks and months, is what helps you decide when to act. That is Rate Movement.
Quick answer
Rate movement is how the best mortgage rate in your loan to value band has changed: over 1 week, 4 weeks, 3 months and 1 year. Theo records rates from 100+ lenders every day, charts your band, and labels it Trending Down, Trending Up or Stable when it moves more than 0.05 percentage points.
The chart and trend label are free. The four period figures and the Theo Says read come with Premium.
Updated today
The trend labels
- Trending downFallen more than 0.05 points.
- StableMoved less than 0.05 either way.
- Trending upRisen more than 0.05 points.
Rate movement, matched to you
Each property gets its own tab, in its own band, for its own mortgage type. Switch between 2 and 5 year fixes in one tap.
Why the band matters
Lenders reprice each loan to value band separately. Rates at 60% can fall while rates at 90% rise, so a market average can point the wrong way for you.
Want to be told?
Set up rate alerts.
What Rate Movement shows
| Part | What it shows | Plan |
|---|---|---|
| Chart | 12 weeks of the best rate in your band | Free |
| Trend label | Trending Down, Stable or Trending Up | Free |
| Period figures | 1 week, 4 weeks, 3 months and 1 year | Premium |
| Theo Says | A plain English read for your band | Premium |
| Property tabs | Each property in its own band | Free |
| 2 and 5 year toggle | Switch fix length in one tap | Free |
Rate movement across the market
Today’s rate tells you where the market is. These show which way it is heading.
Updated . Who moved today · Rate alerts
Rate movement, as Theo shows it
An illustrative example. Switch between 2 and 5 year fixes to see how the reading changes.
Trending down
Best rate in a 70% to 75% remortgage band over 12 weeks. Illustrative example.
Rates in this 5 year remortgage band are easing slightly, down 0.07 percentage points over 4 weeks.
What is rate movement?
Rate movement is how mortgage rates have changed over a period: rising, falling or holding. Lenders reprice constantly, in response to swap rates, Bank of England decisions and each other. Rate Movement tracks those changes in your loan to value band, not across the whole market. See what drives UK mortgage rates.
How Theo tracks rate movement
Every day Theo records the best rate from 100+ UK lenders for each loan to value band, property type and mortgage type. It finds your band from your balance and property value, then compares the latest rate with 1 week, 4 weeks, 3 months and 1 year ago, in percentage points. Which lenders moved that morning sits on Market Signals.
Reading the trend
Trending Down means the best rate in your band has fallen by more than 0.05 percentage points: conditions are improving for borrowers. Stable means it has moved by less than 0.05 either way. Trending Up means it has risen by more than 0.05, which can reflect higher swap rates or lenders pulling back. Theo Says turns the figures into a plain English read for your band.
Using rate movement to time a remortgage
If your fix ends within six months, you can usually secure a new rate now and switch again before completion if rates fall further. Rate Movement helps you see whether your band is improving or worsening while you decide. To be told when your band moves instead of checking, set up mortgage rate alerts. See should I fix for 2 or 5 years?
Free and Premium
The chart, the trend label, the property tabs and the 2 and 5 year toggle are free. The four period figures and the Theo Says read come with Theo Premium, £9.99 a month with a 7 day free trial. Rate data is historical market information, not advice.
Common questions
What is rate movement in mortgages?
How does Theo track mortgage rate movement?
What is an LTV band and why does it matter for rate movement?
What does Trending Down mean in Rate Movement?
What is Theo Says in the Rate Movement feature?
Can I track rate movement for multiple properties?
Is Rate Movement available for free?
How often is Rate Movement data updated?
Keep exploring
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Mortgage rates todayToday’s averages and how many lenders moved.
Mortgage interest rates explainedWhat decides the rate you are offered, band by band.
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Am I overpaying on my mortgage?Savings Intelligence, checked daily.
Tracker mortgages explainedHow they follow Bank Rate.
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. Example figures are illustrative. Rate data is historical market information. 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.