Avoid the Loyalty Tax
1.8 million fixed deals expire in 2026. If you do nothing, you could fall onto the Lender's SVR (Standard Variable Rate), currently averaging 7.45%.
Enter your current mortgage deal:
Monthly Payment Impact
Cost of Inaction
£0
wasted per month on SVR
£0
£0
£0
Unlock Sub-4% Rates
The "Price War" is back. Lenders are fighting for business. Your Loan-to-Value (LTV) is the key to unlocking the lowest rates.
5-Year Fixed
Requires < 60% LTV
2-Year Fixed
Requires < 75% LTV
Market Fix
Standard Deals
We are finalizing our FCA-regulated partner validation.
Decode Your Quote
Mortgages aren't just about monthly payments. A lower rate means less money to the bank (Interest) and more money in your pocket (Equity).
Try entering 3.65% (2026 Best Buy) vs 7.45% (SVR).
12-Month Projection
Where Your Monthly Payment Goes
Comparison based on your current balance over the next 12 months.
Your Future Home Equity
How much of your home you'll actually own over 60 months.
Your Wealth
Extra money in your pocket + equity for having switched.
£0
Total Saved
Market Insights
The 2026 SVR Outlook: The "Loyalty Tax"
Why 1.8m homeowners are facing a payment shock this year.
AnalysisFixed vs Tracker: The Rate Inversion
Why 5-year fixes are currently cheaper than the Base Rate.
TrendsRegional Spotlight: North East Growth
How rising equity in the North is unlocking Tier 1 rates.