Free · FCA Regulated · No Obligation
Never overpay on your mortgage again.
Fixed deals don't send a warning. TrackMyRate watches your expiry date and the market for you, and tells you the exact moment it's worth switching.
2yr Fixed → 4.05%
Standard Variable Rate
→ 7.74%
On £200k, that's → ~£430/mo
Takes a couple of minutes. Free, either way.
How it works:
Three steps. Then we do the watching.
01 - Tell us your deal
Your current rate and the date your fixed deal ends. Takes under a minute — no documents, no credit check.
02 - We track the market
Every day, we compare your expiry window against live rates — so you don't have to keep checking yourself.
03 - We alert you in time
Up to 6 months before your deal ends, we tell you if it's worth locking in early — before you land on your lender's standard rate.
The Standard Variable Rate trap costs more than people realise.
When a fixed deal ends and nothing's been arranged, most lenders move you onto their Standard Variable Rate automatically. It's rarely competitive — and it happens by default, not by choice.
Reviewing early means you can lock in a new rate before your current one expires, often up to 6 months ahead — with no downside if rates move in your favour in the meantime.
2yr Fixed → 4.05%
Standard Variable Rate
→ 7.74%
On £200k, that's → ~£430/mo
Win-win rate lock
Lock in up to 6 months early. If rates drop before your deal ends, we move you to the lower one. If they rise, you're already protected.
No pressure, no spam
No pressure, no spam — You'll hear from us when it actually matters — not a drip campaign. Unsubscribe in one click, any time