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Mortgage Monitor

Jan 2026 Edition • Base Rate 3.75%

Impact Assessment

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:

£
%
Jan 2026 Avg SVR 7.45%
2026 "Best Buy" Fix 3.82%

Monthly Payment Impact

Cost of Inaction

£0

wasted per month on SVR

Current Deal
£0
SVR Trap
£0
New 2026 Deal
£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.

£
£
60% LTV 75% LTV 90% LTV
Your LTV: 0% Calculating...
TIER 1 (Best) 🔒
3.65%

5-Year Fixed

Requires < 60% LTV

TIER 2 (Great) 🔒
3.82%

2-Year Fixed

Requires < 75% LTV

TIER 3 (Standard) 🔒
4.79%

Market Fix

Standard Deals

We are finalizing our FCA-regulated partner validation.

The Wealth Builder

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

Interest Saved +£0
Extra Equity Built +£0
Total Net Wealth +£0

Where Your Monthly Payment Goes

Interest (Lost)
Equity (Kept)

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

Outlook

The 2026 SVR Outlook: The "Loyalty Tax"

Why 1.8m homeowners are facing a payment shock this year.

Analysis

Fixed vs Tracker: The Rate Inversion

Why 5-year fixes are currently cheaper than the Base Rate.

Trends

Regional Spotlight: North East Growth

How rising equity in the North is unlocking Tier 1 rates.