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Mortgage Tracker
Enter your email to receive a secure sign-in link. No password needed — your data is private and encrypted.
Link expires after 1 hour.
Set up your mortgage
Enter your mortgage details. If your mortgage is split into sub-accounts (parts), add each one separately. You can edit these later in Settings.
Mortgage Tracker
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Synced
Total balance
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Total monthly
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scheduled payment
Months saved
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via overpayments
Interest saved
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estimated
Current LTV
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loan to value
Balance trajectory · standard vs actual
Standard path Your actual path Savings gap
Balance trajectory.
Log overpayment
Reduces principal immediately and is tracked against your annual 10% allowance.
Annual allowance used
Overpayment log
Payment history
Remortgage scenario planner
Model what happens when your current deal ends. Enter an estimated new rate to see the impact on monthly payments and total cost.
Rate comparison
Compare multiple possible new rates side by side.
Full trajectory · current deal + remortgage
Remortgage trajectory.
Export payment history
Download your complete payment history as a CSV file, or generate a summary report.
Annual summary
Current snapshot
Preset scenarios — click to toggle on chart
Build your own scenario
Scenario comparison
Scenario comparison.
Property value
LTV threshold tracker
Key LTV bands that typically unlock better mortgage rates. Dates are projected from your current trajectory.
LTV projection · balance over time vs property value
Your actual path 80% LTV threshold 75% LTV threshold 60% LTV threshold
LTV trajectory.
Impact of overpayment scenarios on LTV thresholds
How much earlier overpayments bring you through each key LTV band.
Settings
Update rate, monthly payment, allowance or deal date. Does not affect current balances or payment history.
Override the current balance for a part — use this if the balance has drifted from your actual NatWest figure, or to correct an entry error. This also resets the starting balance used for trajectory comparisons.
This directly overwrites the stored balance. Any future scheduled payments will calculate interest from the corrected figure.
Remove incorrect payment entries. Removing a scheduled payment will let it re-process correctly on the next load. Removing an overpayment reverses the balance reduction.
Log a new deal when you remortgage. This preserves your full history and updates projections from the new deal date forward.
Generate a read-only link so anyone can view your dashboard without signing in or being able to edit anything.