Feature Mortgage tracking

Stay ahead of fixed-rate end dates before they start costing you money

OnTop helps landlords keep mortgage fixed-rate dates visible across a portfolio, so refinancing decisions are made early instead of after a rate has already rolled off.

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See fixed-rate end dates across your portfolio in one place

Spot refinancing deadlines early instead of reacting late

Reduce the risk of drifting onto a more expensive variable rate

Keep mortgage dates alongside compliance and rent review tracking

Mortgages 9

Ending < 90 days

Fixed rate ending 2

Ending this year

Fixed rate ending 7

Views

All properties

Lenders

Rate history

Mortgages

9 fixed-rate deals end within 12 months

32 Clayton Drive

Aldermore · 2y fixed

3.95% 32 days

55 Frederick St

Aldermore · 5y fixed

3.78% 148 days

17 Pennyfields

Paragon · 3y fixed

4.20% 312 days

Portfolio exposure if rates rise 1%9 mortgages

+£410/mo across portfolio

Why landlords need this

Fixed rates roll off without warning

A deal that ends unnoticed can mean months on an expensive standard variable rate before anyone reacts.

Fixed-rate expiry dates are easy to miss when they are buried in old mortgage paperwork

A landlord can lose money quickly if a deal ends and nothing has been lined up in advance

Managing several properties makes it harder to know which remortgage date is coming next

How OnTop helps

A repeatable process, not a spreadsheet

Record mortgage start and end dates against each property

Use portfolio views to see which deals are current, which are approaching expiry, and which need attention next

Keep mortgage admin tied to the same property record as certificates and rent reviews

Use the visibility to start remortgage conversations before time pressure takes over

Mortgage tracking

See every fixed-rate deadline in one place

OnTop helps landlords keep mortgage fixed-rate dates visible across a portfolio, so refinancing decisions are made early instead of after a rate has already rolled off.

See fixed-rate end dates across your portfolio in one place
Spot refinancing deadlines early instead of reacting late
Reduce the risk of drifting onto a more expensive variable rate
Keep mortgage dates alongside compliance and rent review tracking

Mortgages ending within 6 months

55 Frederick St

Aldermore · 5y fixed

3.78% 148 days

32 Clayton Drive

Aldermore · 2y fixed

3.95% 32 days

Treat remortgage timing as part of portfolio management

OnTop helps landlords stay ahead of fixed-rate deadlines before a missed date turns into a more expensive mortgage.

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Stay ahead of fixed-rate end dates before they start costing you money

Fixed rates roll off without warning

A repeatable process, not a spreadsheet

Record mortgage start and end dates against each property

Use portfolio views to see which deals are current, which are approaching expiry, and which need attention next

Keep mortgage admin tied to the same property record as certificates and rent reviews

Use the visibility to start remortgage conversations before time pressure takes over

See every fixed-rate deadline in one place

Treat remortgage timing as part of portfolio management

Useful pages and articles

See compliance reminders feature

See rent reviews feature

Start free

How to Keep On Top of Rent Reviews With OnTop

How Often Should Landlords Review Rent?

Why Regular Rent Reviews Matter for Remortgaging, Not Just Rental Income