Mortgage rate watch

For each property we capture lender, product, rate, balance, payment, deal end date, ERC end and whether the loan is interest-only. The page compares your current rate against today's market rates and shows the annual saving if you refinanced.

Buy-to-let mortgages are usually 2 or 5-year fixes. The day a fix ends you automatically roll onto the lender's Standard Variable Rate (SVR) — often 3–4 % above market. On a £200k loan that's an extra £500–700 a month. Catching the fix-end date 6 months early and lining up a remortgage is the single biggest controllable item on most BTL P&Ls. ERC stands for “Early Repayment Charge” — the penalty for leaving a fixed deal early.

1. Enter each mortgage's details (lender, balance, rate, fix end).
2. Update the market reference rates at the top if you have a recent broker quote.
3. Watch the fix ending alerts on the dashboard 6 months out — start the remortgage conversation then.

This is not regulated financial advice. Always speak to a broker for an actual quote.