Theo – Mortgage & Rates

Track your mortgage, equity and live rates in one place. Personalised alerts built for UK homeowners and landlords. Free to start.

Theo is your mortgage intelligence app — built for UK homeowners and landlords who want to stay ahead of their mortgage, not just pay it.

Connect your property and mortgage and Theo gets to work. It tracks your equity, LTV, remaining term, and fixed rate countdown. It monitors 100+ lenders daily and alerts you when something changes that matters to your money.

WHAT THEO TRACKS — Your property value and equity position — Current LTV and value to the next band — Fixed rate end date with countdown alerts — Monthly payment and remaining balance — Market rates across 100+ UK lenders

FREE FEATURES — Dashboard and property cards — LTV and equity basics — Market Signals — who raised, cut, or held today — Rate movement trend — Bank of England rate change alerts

THEO PREMIUM — Savings Intelligence — your net saving after ERC vs the best market rate — Full RateTracker with percentage-point movement over 1W, 4W, 3M and 1Y — Theo Says — a plain-English interpretation of what rate moves mean for you — Fixed-rate expiry alerts at 12, 9, 6, 3, 2 and 1 months before your deal ends — SVR risk alerts when your fixed rate expires — Personalised rate movement alerts based on your LTV band — Portfolio LTV tracking across multiple properties — Value to next LTV band — how much equity you need to unlock a better rate — BoE base rate history — Theo alerts inbox — Personalised mortgage prompts

Start with a 7-day free trial of Theo Premium — no commitment required.

Theo provides mortgage tracking and educational insights only. It does not provide mortgage advice or recommend a specific lender or product. Always seek advice from a qualified mortgage broker before making financial decisions.