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Continuous Mortgage Monitoring Technology
Advanced Planning For Important Review Dates
The Mortgage Broker’s 24/7 mortgage monitoring service helps us keep track of your mortgage after completion, including important review dates and potential changes that could affect your options. Our monitoring technology works continuously in the background, while experienced mortgage advisers remain available to provide personal advice when your mortgage, circumstances or the market changes.
How does our mortgage monitoring service work?
One service. Five simple stages.
From the moment your mortgage completes, our ongoing support is designed to stay connected to what happens next, giving you a clear route back to advice whenever your mortgage journey moves forward. The market can be unpredictable, and changes in the mortgage market could mean it is simply worth understanding your position.
1. Your mortgage completes
Our relationship does not have to finish when your mortgage completes.
Once you become a client of The Mortgage Broker, we want to continue helping you throughout your mortgage journey.
2. Your mortgage remains on our radar
Our monitoring service helps us keep track of key information around your mortgage, including important review dates.
You do not have to rely entirely on remembering when your existing mortgage deal ends several years into the future.
3. We can identify when a mortgage review may be worthwhile
There are many reasons why your mortgage might need another look.
Your current deal could be approaching its end, your circumstances may have changed, you may want to move home, borrow more or make changes to your mortgage.
4. You speak to your mortgage adviser
Monitoring is not mortgage advice.
When a review is appropriate, an experienced mortgage adviser can look at your circumstances properly.
Sometimes the right decision may be to change your mortgage, and sometimes staying exactly where you are may be more suitable.
Our job is to help you understand the difference.
5. We continue supporting you
If you decide to remortgage, take a new deal with your existing lender, move home or make another change, we can help manage the next stage too.
And once that mortgage completes, the monitoring cycle can continue.
24/7 Mortgage Monitoring Service
Getting the keys or completing your remortgage should not be the end of your relationship with your mortgage broker. At The Mortgage Broker, our service is designed to continue throughout the life of your mortgage and provide you with peace of mind.
Our 24/7 mortgage monitoring service helps us keep track of important mortgage dates and potential review opportunities, so that we can stay closer to your mortgage position and contact you when a conversation may be worthwhile, or indeed, required.
The technology works in the background throughout your mortgage, whilst the advice still comes from our experienced team.
Whether your mortgage deal is approaching its end, your circumstances have changed or you simply want to understand whether your current mortgage still suits you, our team is here to help.
For clients of The Mortgage Broker, our mortgage monitoring service is included at no extra cost. If you are not with the Mortgage Broker yet, please feel free to get in touch and we can monitor your key dates for you.
Check My Mortgage Is Being Monitored
When your current mortgage deal is coming to an end, it is important to understand all of your options before simply accepting a new product from your existing lender. Your lender can offer products from its own range, but our advisers can search more than 25,000 mortgage products and compare the wider options available against staying where you are. We will consider the rate, fees, monthly repayments, affordability, any early repayment charges and your future plans to establish which route is most appropriate for your circumstances. Our 24/7 mortgage monitoring service is designed to help us start that conversation early, giving you more time to understand your position before an important mortgage decision has to be made.Before you accept a new deal with your current lender, speak to an adviser
What Our Mortgage Monitoring Service and Personal Advisers Consider:
When monitoring your mortgage, our team and service isn’t simply considering whether or not the rate is coming to an end. The benefits to you and your financial circumstances could come from any of the reasons below, and as such we will always consider:
- Your existing mortgage
- Your remaining mortgage balance
- Your current lender
- Mortgage rates and products available
- Product fees
- Monthly mortgage payments
- Affordability
- Your income
- Your loan-to-value
- Early repayment charges
- Your future plans
- Whether changing your mortgage is actually worthwhile
We Compare Mortgage Options Across More Than 130 Lenders.
Why should your mortgage be monitored after completion?
The average mortgage term has increased over recent years. At The Mortgage Broker, the average mortgage term for our clients is currently 31 years. Many mortgages are initially put on a fixed rate for 1, 2, 3 or 5 years and therefore, your first mortgage deal is unlikely to be your last. During that time, your financial circumstances and the mortgage market can change considerably. Therefore, there could be a number of reasons you need to review your mortgage, such as:
- Your fixed mortgage rate is coming to an end
- A tracker or discounted mortgage deal is ending
- Interest rates have changed
- Your property value has changed
- Your mortgage balance has reduced
- Your loan-to-value position has changed
- You are considering moving home
- You want to borrow more
- You are thinking about making mortgage overpayments
- Your income has increased or reduced
- You have changed jobs
- You have become self-employed
- Your family circumstances have changed
- You are approaching retirement
- You have an interest-only mortgage approaching maturity
- You want to review the protection linked to your mortgage
The right mortgage decision depends on much more than finding the lowest headline interest rate as we want to ensure we find the option that is financially suitable, affordable and sustainable for your circumstances.
What is 24/7 mortgage monitoring?
24/7 mortgage monitoring is an ongoing service that helps keep track of your mortgage and identify when it may be worth reviewing your position.
- Mortgage products change.
- Lender criteria change.
- Property values can move.
Your income, family, employment and financial plans can change too, and most importantly, your existing mortgage deal will usually have a date when its initial rate comes to an end.
Our mortgage monitoring technology gives us another way of keeping track of these important points in the background rather than simply arranging a mortgage and waiting for you to come back several years later.
It can help us identify when a mortgage conversation may be beneficial, giving you more time to understand your options and make an informed decision.
Does 24/7 mortgage monitoring mean an adviser watches my mortgage all day?
No, the monitoring technology operates continuously, helping us keep track of your mortgage and potential review points, and it flags key dates and potential opportunities to review your mortgage.
Your personal mortgage advice is still provided by our team.
Technology can help identify that something may need reviewing. It cannot understand everything about your income, family, future plans, priorities or financial circumstances.
The technology helps us monitor. Our advisers help you decide.
No Matter Who Your Lender Is, We Will Monitor Your Mortgage
The Mortgage Broker Is UK-Wide
Request a call backWhat happens when my current mortgage deal ends?
This is one of the most important points in the mortgage lifecycle.
When an initial fixed, tracker or discounted mortgage deal ends, you will normally need to decide what to do next. If no new arrangement is made, you may move onto your lender’s applicable follow on or standard variable rate, depending on the terms of your mortgage.
That rate could be higher than the rate you were previously paying, which is why reviewing your options before your current deal ends can be important.
Our mortgage deal monitoring service helps us stay aware of when an important review date is approaching, giving you an opportunity to look at your options before your existing deal finishes.
Depending on your circumstances, those options could include:
- Taking a new mortgage product with your existing lender
- Remortgaging to another lender
- Changing the term of your mortgage
- Reviewing your repayment structure
- Borrowing additional funds
- Moving home
- Making an overpayment
- Remaining on your existing arrangements
There is no single right answer for every borrower, and that’s why advice matters.
What if something changes before my mortgage deal ends?
You do not need to wait until your mortgage deal finishes before speaking to us, as mortgages should reflect real life, and real life changes.
Contact us if:
- You are planning to move home
- You need additional borrowing
- Your income has changed
- You are changing employment
- You are becoming self-employed
- You are separating from a partner
- You are adding or removing someone from the mortgage
- Your family is growing
- You are considering major home improvements
- You are approaching retirement
- You are worried about future mortgage payments
There may be early repayment charges or other considerations involved in changing a mortgage before the end of a deal, but that does not mean you should avoid asking the question.
It means you should understand the implications before making a decision.
Remortgage or product transfer: which could be right for me?
One of the most common questions when a mortgage deal ends is whether to remortgage to a different lender or take a product transfer with your existing lender.
A product transfer can sometimes be straightforward because you remain with the same lender.
A remortgage may provide access to different mortgage products or borrowing options elsewhere.
But comparing the two properly means considering more than the interest rate and ultimately, you need to consider all the factors, such as:
- Mortgage interest rate
- Product fees
- Valuation fees
- Legal costs
- Incentives
- Early repayment charges
- Monthly repayments
- Total borrowing costs
- Affordability
- Loan-to-value
- Additional borrowing
- Your future plans
The lowest advertised mortgage rate does not automatically produce the most suitable overall mortgage and our mortgage advisers can help you compare the full picture.
Can mortgage monitoring save me from going onto a standard variable rate?
Mortgage monitoring can help reduce the risk of unexpectedly moving onto your lender’s standard variable or follow-on rate. Our service is designed to contact you ahead of your product end date, giving you time to speak with an adviser, understand your options and decide what action, if any, is appropriate.
What our service will do is help us stay ahead of important mortgage review dates, giving you an opportunity to consider your options before your existing mortgage deal comes to an end.
That additional visibility can be particularly valuable when mortgage decisions require documents, affordability checks, valuations, legal work or time to consider different options.
Our aim is not to rush you into changing your mortgage.
It is to give you enough time and information to make a considered decision.
More than mortgage monitoring
Ongoing support throughout your mortgage journey.
Our 24/7 mortgage monitoring service sits within a much wider service, and we believe across the board that a good mortgage broker should do more than find a mortgage product and submit an application.
Depending on what you need, The Mortgage Broker will support you with:
- Mortgage in Principle
- First-time buyer mortgages
- Home mover mortgages
- Remortgages
- Product transfer reviews
- Additional borrowing
- Buy-to-let mortgages
- Self-employed and complex income mortgages
- Professional mortgages
- Mortgage application management
- Lender and underwriting support
- Support through to mortgage completion
- Protection reviews
- General insurance
- Later life mortgage advice
- Future mortgage reviews
- 24/7 mortgage monitoring
Our service is to support your full mortgage life cycle, and a far more joined up relationship. Not just a mortgage transaction, but rather an ongoing mortgage service that provides you with ongoing support and greater peace of mind.
Our protection review service is free.
The Mortgage Broker provides access to our specialist protection team for a free protection review. They can help you consider how best to protect your mortgage, income, family and wider financial commitments.
Personal Protection
Protect the people and income that matter most with tailored advice on life insurance, critical illness cover and income protection. Our specialists can help you understand what cover you may need and how it can fit around your mortgage, family and finances.
Critical Illness or Income Protection?
These two types of cover protect you in very different ways, and choosing the right one depends on your circumstances. Read our guide to understand the key differences, how each policy works and where they can complement each other.
Director’s Life Insurance
Life cover for company directors can sometimes be arranged through the business rather than personally. Our specialists can explain how Director’s Life Insurance works, who it may suit and the potential tax efficiencies involved.
Protection reviews after your mortgage completes
Your mortgage may change over time and so can the protection you have around it. Our FREE specialist protection advisers can help you review whether your existing arrangements still match your mortgage, income and family circumstances.
1. Tell us what you want to protect
Let us know about your circumstances and whether you are looking to protect your family, income, home, mortgage or business.
2. Review the available options
Your adviser will talk you through the cover available, what it does and does not include, and what you can expect to pay.
3. Take time to decide what is right for you
Take time to consider the options. If you decide to proceed, your adviser will help you through the application and underwriting process.
We can also support clients with insurance relating to their home. Depending on your circumstances, that may include: Buildings insurance is normally required by mortgage lenders, but that does not mean every insurance policy provides the same cover. Our team can help you understand your requirements and available options.Help with home insurance
Mortgage reviews as you approach retirement
Your mortgage requirements can become very different as you approach or enter retirement.
You may have an existing mortgage that needs repaying, want to reduce monthly commitments, move home, support family members or understand whether borrowing remains available later in life.
Our specialist later life advisers can consider different possibilities, which may include conventional residential mortgages, retirement interest-only mortgages or later life lending depending on your circumstances.
The right solution should always start with understanding the outcome you are trying to achieve.
Personal mortgage advice supported by smarter technology
We embrace technology because it can make mortgage advice faster, more organised and more proactive, but we will never use technology to replace proper advice. An algorithm cannot fully understand why you may be planning to move in two years, nor does it necessarily know that your income. It cannot understand how important payment certainty is to your family, and it cannot sit down with you and weigh one financial priority against another.
That requires judgement, expertise, lender knowledge, nuances and personal understanding of which lender products are appropriate to which set of circumstances.
Our approach combines both.
Technology gives us better visibility.
Experienced advisers provide the human judgement.
It means we can use digital tools to help remove unnecessary friction while keeping personal advice at the centre of the mortgage journey.
Why choose The Mortgage Broker for ongoing mortgage support?
We want clients to know that there is someone available to help, not just when they first need a mortgage but whenever their mortgage circumstances change.
When you work with The Mortgage Broker, you can benefit from:
- Experienced mortgage advisers
- Access to more than 130 mortgage lenders
- Thousands of mortgage products
- Support with straightforward and complex circumstances
- More than 2,500 five-star Trustpilot reviews
- Mortgage, protection and later life specialists
- Digital mortgage technology
- Ongoing mortgage monitoring
- Personal service throughout your mortgage journey
- Nationwide mortgage advice
Our focus is straightforward: Clear advice. Suitable solutions. Long-term customer support.
Is 24/7 mortgage monitoring free?
Yes, our 24/7 mortgage monitoring service is included at no extra cost.
If you arranged your mortgage through us, we want to continue supporting you after completion rather than simply waiting for you to contact us again. If you are unsure whether your current mortgage is being monitored, speak to our team and we can check your position.
Can you monitor my mortgage if I did not originally use The Mortgage Broker?
If your mortgage was arranged elsewhere, you can still speak to us. An adviser can review your current mortgage and circumstances and explain how we may be able to help. We can also gather your mortgage details and enrol you on the system and ensure you benefit from all the support.
We would just require your mortgage details.
If you are not with The Mortgage Broker, get in touch to get your mortgage monitored.
Frequently asked questions about 24/7 mortgage monitoring
Mortgage monitoring means using technology and ongoing client information to help keep track of a mortgage, including important review dates and potential reasons why a mortgage may need reconsidering. We can track your personal mortgage product, and highlight internally when a conversation could be worthwhile in terms of your product and end dates. It doesn’t track any of your personal circumstances. At The Mortgage Broker, monitoring is supported by personal mortgage advice when a review is required.
Our mortgage monitoring technology continuously scans the market, including thousands of mortgage products, while taking account of factors such as switching costs and early repayment charges. So yes, our mortgage monitoring service operates continuously in the background, but should not be confused with a mortgage adviser personally monitoring an individual account 24 hours a day. When advice is required, one of our advisers can discuss your circumstances and options with you.
A mortgage should commonly be reviewed before an existing fixed, tracker or discounted deal ends. We will always be in touch with plenty of time to spare to support you getting the most suitable product. We will get in touch 6 to 7 months prior to your remortgage date, and you shouldn’t just wait for the lender notification, as this could potentially restrict your options available. You can read more here in our blog that explains why waiting for your current lender is not always the safest move.
“we aim to contact you around six to seven months before your current deal ends. If you do this via a mortgage broker, then the advantages are that you can explain any changes in your circumstances and then enable the broker to scan the market, and monitor lender rates. You don’t have to commit to anything and can be in an advantageous position as you can see what rates are available, but switch prior to your end date if a cheaper and more suitable one becomes available. The appropriate timing can depend on your lender, circumstances and the mortgage options available. Our monitoring service helps us identify when it may be sensible to start that conversation. You can read more about remortgaging here.
If your initial mortgage deal finishes without another arrangement being put in place, you may move onto the lender’s applicable follow-on or standard variable rate. The exact position depends on the terms of your mortgage and you should always try to avoid this as it can often be more expensive. A mortgage review before your deal ends can help you understand your options.
Not necessarily, no. It entirely depends on your circumstances. A Product Transfer (also known as a PT) can be seen to be easier as it is a simple switch with your current lender. However, you are restricting yourself to the available products through your current lender at that time, rather than scanning the market for a more suitable alternative or a lower rate mortgage. It of course depends on your circumstances, but ultimately, the time it takes to do a PT, a broker can search the market and see if most suitable options are available. Rates, fees, affordability, borrowing requirements, early repayment charges and your future plans should all be considered and if a Product Transfer is the right solution, you can still proceed with that option anyway.
No, absolutely not. No technology should ever replace advice. We are seeing that more and more in the current market, with everyone utilising AI or Search Engines in different ways. However, only personal advice, combined with specific lender criteria and your circumstances can provide the right advice and solution. Our mortgage monitoring helps highlight when something may need attention, but a mortgage recommendation should still take account of your personal circumstances, financial position and objectives.
No, everything remains your decision. However, we are here to make advanced, informed decision making easier and provide advice where required. A review does not mean you have to change anything, and you can speak to an adviser as many times as you need to discuss your alternative options, current position and objectives. There may be situations where remaining with your existing mortgage or lender is the most appropriate decision.
Yes, if you are considering additional borrowing, we can review your existing mortgage alongside other options that may be available. The appropriate route will depend on affordability, the purpose of the borrowing, your existing mortgage and lender criteria.
Yes, The Mortgage Broker service does monitor buy-to-let-mortgages 24/7. In fact, this is perhaps one of the most important areas as rates play a key part in helping landlords track and plan profit margins. We advise on residential and buy-to-let mortgages and can explain the ongoing support available for your circumstances.
Yes, absolutely and it is very important to do so. Mortgage reviews can also be an appropriate time to consider whether your life insurance, critical illness cover or income protection still matches your borrowing and circumstances. Our specialist protection review service is free of charge for any clients or future customers.
Already a client? Make sure your mortgage stays on our radar.
If you arranged your mortgage through The Mortgage Broker, we want to continue helping you long after completion.
Our 24/7 mortgage monitoring service means your mortgage does not simply disappear from view once the initial transaction is finished.
We can stay closer to important review dates, help identify when a conversation may be worthwhile and give you access to experienced mortgage advisers when your circumstances change.
Because arranging your mortgage should be the start of the relationship, and not the end of it.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Protection policies are subject to eligibility, underwriting and policy terms. Later life lending may affect the value of your estate and could affect entitlement to means-tested benefits. You should seek advice before making a decision.