Is it fix o'clock yet?

Your mortgage deal's ending. Pop in the date and we'll show you what today's market says about locking now or waiting, in pounds. Sixty seconds. Free. Not advice.

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Bank of England interest rate
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Typical 2-year fixed deal today
Fixed rates over the next 6 months
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Where rates are expected to top out

Connecting to live market data…

The next two years

Where interest rates are expected to go

This isn't our opinion. It's what the money markets are betting on today, month by month. Banks set fixed deals off these bets, so when they move, new deals follow.

What the market expectsToday

Where today's money-market prices suggest the Bank of England rate is going. Markets are often wrong. This is a snapshot of expectations, not a prediction.

Read today's homeowner's digest →

How it works

Three questions. Real numbers. Your call.

1

Tell us about your mortgage

Balance, home value, when your deal ends, your current rate. Sixty seconds, nothing stored on our servers.

2

We check what the market is charging

Banks buy the money they lend you. We look at what that costs today, what it's expected to cost when your deal ends, and add the usual lender markup for someone with your deposit.

3

You see it in pounds

What you'd pay each month, 2-year versus 5-year, what leaving early would cost. Clear charts, no verdicts. You decide.

Is it fix o'clock? →
Our promise

We don't give advice. Ever.

We're a data team, not a broker. We'll never tell you what to do, recommend a product, or nudge you towards anyone. If you'd like advice, a regulated mortgage adviser is the right person, and we'll say so.

  • Every number comes from public market prices, and we show our working
  • Ranges, not single-number predictions. The market is often wrong
  • No products, no lenders, no commission on this page
  • Your details stay in your browser