Your fixed rate has an end date. See it coming.
Landlords lapse onto the standard variable rate because nobody tracks five mortgages in their head. Add each deal once and CertWatch reminds you at 6 months, 3 months, 1 month and 2 weeks before it ends, with current market context in every email.
Track your mortgage datesFree for your first property. Already tracking certificates? It's the same account.
6 MONTHS
Start watching rates. You can usually lock a new deal up to six months ahead.
3 MONTHS
Speak to a broker. Most remortgages complete comfortably inside three months.
1 MONTH
Final window. If nothing is agreed, the SVR is weeks away.
The SVR is the most expensive default in property
2-4%
Typical gap between a competitive fix and a lender's standard variable rate.
£100s
Extra interest a single month on the SVR can cost on a typical buy-to-let balance.
6 mo
How far ahead you can usually lock a replacement deal. The window opens earlier than most landlords think.
Four reminders per deal, then a broker if you want one
6 MONTHS
Start watching rates. You can usually lock a new deal up to six months ahead.
3 MONTHS
Speak to a broker. Most remortgages complete comfortably inside three months.
1 MONTH
Final window. If nothing is agreed, the SVR is weeks away.
2 WEEKS
Last call before the penalty rate starts costing you every single day.
Every reminder includes the Bank of England base rate and a note on typical buy-to-let fixes, so the email lands with context. Want help? One click sends a consented enquiry to a whole-of-market broker. Free to you; brokers pay CertWatch a referral fee if you complete, which never changes your rate.
One dashboard for every deadline you dread
CertWatch already tracks gas safety, EICR, EPC and five other certificate types for UK landlords. Mortgage deal dates live on the same properties, the same dashboard and the same account.
CertWatch tracks deal end dates; it does not give financial advice.