Entries stay in browser storage on this device
That means no sign-up is required, but it also means the saved scenarios stay tied to that browser unless you keep a separate record elsewhere.
Mortgage Journal
Mortgage Journal for deal dates, reminders and next-step planning
Keep mortgage deal dates, rates and lender notes together in one browser-based tracker, then use reminder checkpoints to start the next step before a deal drifts onto SVR.
Browser-based storageReminder checkpointsManual tracking and notes
Storage
Saved locally in your browser
Reminder Cadence
6, 3 and 1 month checkpoints for fixed deals
Timing Context
Many borrowers can start speaking to a lender around 6 months before expiry
On This Page
Tracker
Store the dates and deal details you do not want to lose track of
Use the journal to keep your mortgage details in one place on this device. It is a browser-based tracker rather than a lender portal, so the dates and rates you enter still need to match your own lender records.
What It Stores
How the journal works on this device
These points explain what the tracker saves, how reminders are created and where manual checking still matters.
Fixed-deal reminders come from the date you enter
For fixed deals, the journal creates reminder checkpoints around 6 months, 3 months and 1 month before the end date you save for that scenario.
The journal can flag SVR entries, but it does not fetch lender data
If you mark a scenario as SVR, the dashboard can keep that case visible. It does not connect to the lender to confirm the current rate, expiry date or next available deal for you.
Timing
How to interpret the reminders against current mortgage guidance
A reminder is most useful when it points to a clear next step. These checkpoints help you understand what each alert is really asking you to do.
The 6-month reminder is the early research checkpoint
Borrowers can often start talking to their lender around six months before the current deal ends, so this reminder is the point to start checking replacement routes rather than waiting until the final weeks.
The 3-month reminder is the preparation checkpoint
This is usually the stage to gather paperwork, compare fees and decide whether you are heading towards a product transfer, a remortgage application or a conversation with your current lender.
The 1-month reminder is the final check before expiry
The last reminder is based on the date you entered. It helps reduce the chance of drifting onto an unwanted fallback rate, but it cannot confirm your lender's own processing timeline for you.
Next Tools
Use the journal with the pages that handle switching, fees and deadlines
The journal keeps dates and prompts visible. These pages help with the decisions behind each reminder.
Deal-Ending Guide
Use the action-plan page if you need a clearer sequence for what to do at each checkpoint.
Remortgage Planner
Use the remortgage calculator to compare switching windows and fees instead of expecting the journal to do the maths for you.
Fees Planner
Check switching costs separately because the journal does not estimate product, legal or valuation fees.
Remortgaging Guide
Read the full guide if you want the process and regulatory context behind the reminders.
Frequently Asked Questions
How does the Mortgage Journal store my data?
Mortgage Journal stores saved scenarios in your browser on this device. The tool works without an account, and the saved scenarios stay in that browser unless you clear the browser data.
Does my data leave the browser?
No. Mortgage Journal entries are not sent to a server. The trade-off is that the saved scenarios are specific to that browser and device.
How are the reminders generated?
The journal creates reminders from the deal end date you enter. For fixed deals, it generates 6, 3 and 1 month reminders from that date, so the quality of the reminder still depends on the date you provide.
Does the Mortgage Journal connect to my lender?
No. This is a manual tracking tool. It does not sync with lender systems or verify that the date you entered matches the lender's own records.
Why do the reminders start months before the end date?
Borrowers can often start talking to their lender around six months before the current deal ends. The reminder cadence keeps that timing visible inside the tool.