Mortgage Tracker and Property Document Storage in One Place

Most people know their mortgage monthly payment. Fewer know their current outstanding balance. Fewer still know exactly when their fixed rate expires.

This matters because the gap between "I have a mortgage" and "I understand my mortgage" is where homeowners lose money. The fixed rate ends, you roll onto the standard variable rate, and six months later someone at work mentions they just remortgaged at a much better rate and you realise you've been overpaying for half a year.

A mortgage tracker — built into your property record rather than living in a separate spreadsheet — keeps the key details visible, flags the dates that require action, and sits alongside your property valuation so you can see your equity position at any time.

Here's how SimpliHome handles mortgage management as part of a complete property picture.

#What a Mortgage Tracker Should Tell You

There are four numbers that matter with a mortgage:

Outstanding balance. What do you owe? This changes every month as you make payments. For most homeowners, the outstanding balance is a number they check when they look at their latest mortgage statement and then forget until the next one arrives.

Current equity. If your property is worth £380,000 and you owe £240,000, your equity is £140,000. This number matters when you're remortgaging (lower LTV = better rates), when you're thinking about home improvements, and when you're tracking your household's overall financial position.

Interest rate. The rate determines how much of each payment goes to interest rather than reducing the balance. On a large mortgage, even a 0.5% difference in rate is significant — often hundreds of pounds per year.

Fixed rate expiry date. This is the most action-relevant piece of mortgage information you own, and the one most homeowners carry vaguely rather than precisely. When the fixed rate expires, you need to have already shopped around and arranged a new deal. You can't start that process the week before.

SimpliHome's mortgage management app keeps all four numbers in one place, updated as your circumstances change, with a reminder set for the fixed rate expiry date.

#Mortgage Tracker: Setting It Up

Adding your mortgage to SimpliHome takes about two minutes with a recent statement in hand.

Go to Houses, open the property record, and navigate to the Mortgage section. Enter:

Lender name — who holds the mortgage
Outstanding balance — from your latest statement
Monthly payment — what you pay each month
Interest rate — your current rate
Rate type — fixed, tracker, or variable
Fixed term expiry — the date your current deal ends (if fixed)
Mortgage term remaining — in years, from the same statement

SimpliHome stores these details and shows you a summary view alongside your property valuation, so you can see the equity position at a glance.

When the fixed rate expiry is within 6 months, SimpliHome sends a reminder — enough lead time to compare deals, speak to a broker, and arrange a new mortgage before the rate expires. You're not scrambling; you're choosing.

#Property Valuation: The Other Half of the Equity Picture

A mortgage balance without a property value is half the picture.

SimpliHome connects to the Zoopla property database and pulls a current estimated valuation for your property automatically — updated regularly rather than sitting at whatever the market looked like when you bought.

The equity calculation is automatic: current estimated value minus outstanding mortgage balance equals your current equity position. That number updates as you pay down the mortgage and as the property value moves.

For homeowners tracking their net worth, or deciding whether a particular home improvement project makes financial sense, this real-time equity view is significantly more useful than remembering what the estate agent said the house was worth three years ago.

#Property Document Storage: The Filing Cabinet That Never Gets Lost

A property generates a lot of paperwork. Most homeowners have it spread across email archives, physical files, PDF downloads that live on one laptop, and occasionally — for the really important stuff — a fireproof box in the loft.

SimpliHome's property document storage gives you a single, secure location for everything:

Legal and conveyancing:

Completion statement
Title deeds and land registry documents
Fixtures and fittings form (TA10)
Property information form (TA6)
Search results

Surveys and inspections:

Structural survey or homebuyer report
Specialist reports (damp, timber, drainage)
Energy Performance Certificate (EPC)
Electrical Installation Condition Report (EICR)
Gas safety certificate

Mortgage:

Mortgage offer document
Illustration (ESIS) from your broker
Annual mortgage statements
Remortgage paperwork

Works and warranties:

Building regulations completion certificates
Planning permission documentation
Extension, conversion, or loft drawings
Appliance guarantees and warranties
Boiler installation certificate and annual service records

Insurance:

Buildings insurance policy document
Contents insurance policy document
Renewal confirmations

All files are stored on SimpliHome's secure UK servers, encrypted, accessible on any device. They're not in a shared folder that anyone with a link can access — they're tied to your household Circle, visible only to the family members you've invited.

#Why Property Document Storage Matters at the Worst Times

Documents you can't find become urgent at exactly the moments when you have least time to look for them.

When selling. Your solicitor will ask for completion documents. Your buyer's solicitor will want the EPC and planning permissions. The estate agent will want the EPC rating on day one. If you can produce these from SimpliHome within minutes, the process moves faster. If you're searching email archives from 2017, everyone waits.

When remortgaging. Your new lender will want the property valuation, possibly the completion statement, and evidence of title. Having these accessible and ready reduces delays.

When making an insurance claim. The insurer asks for proof of ownership. They ask for the last electrical inspection date. They ask whether recent work was done with building regulations sign-off. These are questions you can answer instantly from SimpliHome, or questions that send you hunting through boxes in the spare room.

When a tradesperson asks "when was the boiler last installed?" The installation certificate, with the engineer's details and the installation date, is in your SimpliHome files section.

#The Full Property Picture

SimpliHome's property section brings all of this together in one record:

Valuation — current estimated value from Zoopla, tracked over time
Mortgage — outstanding balance, rate, equity position, expiry reminders
Maintenance schedule — every recurring task, when it was last done, when it's next due
Document storage — legal documents, surveys, warranties, certificates
Property costs — mortgage payment, buildings insurance, ground rent, service charge

This is your property organiser app: a complete record of your home as both an asset and a place you live, maintained automatically and accessible when you need it.

#Who This Is For

SimpliHome's property features are for homeowners who want to move from passive ownership to informed ownership — people who want to know their equity position without doing mental arithmetic, want reminders before their mortgage rate expires, and want their property documents in a place they can actually find them.

It's also useful for:

First-time buyers who are building a property record from scratch and want a system that grows with the property.

Remortgagers who want to track the new deal details and set up reminders for the next rate expiry as soon as the new mortgage completes.

Landlords managing one or several properties who need maintenance schedules, legal document stores, and financial overviews across a portfolio.

#Getting Started

Go to Houses and add your property
SimpliHome pulls the Zoopla valuation automatically
Go to Mortgage and enter your current details — outstanding balance, rate, term end date
Go to Files and upload your key documents — start with the EPC, the completion statement, and any warranties
Go to Maintenance and build your service schedule

Create your free SimpliHome account → — property features are included in the standard plan.

#You Might Also Like

The Homeowner App That Puts Your Entire Property in One Place — The full overview of SimpliHome's property features
House Maintenance Tracker: Never Let Home Upkeep Slip Again — Building a complete property maintenance schedule
How SimpliHome Tracks Every Renewal: Bills, Vehicles, and More — Renewal tracking beyond the mortgage

SimpliHome is the mortgage tracker and property document storage app for UK homeowners. Your property record, complete and current, in one place. Get started free →