Theo – Mortgage & Rates

Theo watches your mortgage 24/7 — tracking rate changes, spotting savings, and alerting you before your fixed rate ends.

Theo watches your mortgage 24/7 so you never miss a rate change, savings opportunity, or key milestone. Most people set up their mortgage and forget about it. Theo keeps you informed — tracking your position in real time, alerting you when rates move, and showing you exactly what you could save.

WHAT THEO DOES

Fixed rate countdown alerts — know exactly when your deal ends Live Bank of England rate monitoring and alerts SVR red flag alerts — know if you're on your lender's variable rate Rate forecast — 30, 60 and 90 day market outlook Remortgage savings calculator with early repayment charge analysis LTV band tracking and milestone alerts Monthly balance and equity updates Portfolio Equity Optimiser — find hidden savings across multiple properties Connect your own broker directly inside the app

FREE FEATURES

Monitor up to 2 properties Fixed rate countdown alerts Bank of England rate change alerts SVR red flag alerts Theo rate monitoring

THEO PREMIUM Unlock the full intelligence layer — live market rates personalised to your LTV band, 90-day rate forecasting, remortgage savings analysis with ERC calculation, portfolio equity optimisation, LTV milestone alerts, monthly balance tracking, and the ability to connect your own broker for expert advice when you need it.

Theo is an informational tool and does not provide regulated financial advice. Always consult a qualified FCA authorised mortgage adviser before making financial decisions.