Your personal AI mortgage agent.
Built for the UK.
LadderIQ tracks live UK rates, models your remortgage, runs the ERC math, and tells you — in plain English — whether to overpay or invest. Powered by Claude. No jargon, no hedging, just numbers that move.
Mortgage tools you'd build for yourself — if you had a quant on call.
Free comparison sites push you to brokers. Bank calculators only know their own products. We built LadderIQ so a homeowner can run institutional-quality mortgage math in seconds — without handing over an email or a phone number.
Live UK market data
BoE base rate, best 2yr / 5yr fixed and tracker rates, average SVR — refreshed and benchmarked against your deal.
When to switch — and at what cost
Compare your current deal against the best on market. Models ERC, fees, and break-even month so the answer is a number, not a vibe.
Math, not opinion
Run your overpayment budget against an ISA / SIPP / GIA at any expected return. We surface the winner with a clear net-benefit figure.
Early Repayment Charge, broken down
Most lenders bury this. We compute the £ cost of breaking your fix today, every month for the next 24.
Every UK region, every buyer type
England SDLT, Scotland LBTT, Wales LTT — first-time buyer relief, second home surcharge, non-resident +2%. All in one form.
Ask anything about your mortgage
Powered by Claude. Knows your balance, rate, deal end date, ERC, and the live market — and answers in £, not platitudes.
From zero to a remortgage decision in three steps.
- 01
Drop in your mortgage
Balance, rate, term, deal end, ERC %, monthly payment. No account. No email. Stays in your browser.
- 02
Pull live UK rates
LadderIQ benchmarks your deal against today's best 2yr / 5yr fixed and tracker rates and the average SVR you'd revert to.
- 03
Ask the agent
"Should I switch?" "What if rates drop 0.5%?" "Overpay or ISA?" — Claude answers with the £ numbers from your profile.
We model the math.
We don't recommend lenders.
LadderIQ is a planning tool, not a regulated broker. We don't receive lender commissions, we don't sell your data, and we never ask for personal information to run a calculation. When a decision is regulated — like signing a specific deal — LadderIQ tells you exactly when to bring in an FCA-authorised broker.
- Estimates only — never regulated advice.
- No commission, no lender bias, no upsell.
- Calculations run client-side; chats stay private.
- API keys handled server-side — never exposed.
Start with one question. Get a £ answer.
The agent runs in your browser, the API stays on the server, and every figure comes from your own mortgage profile.