MortieHow to track the value of your property (and why it matters)
Your home is probably your biggest asset. Knowing what it's worth — and how that's changing — helps you make smarter decisions about remortgaging, home improvements and longer-term plans.
How property values are estimated
Automated Valuation Models (AVMs) combine recent sold prices on your street, Land Registry data, property attributes (beds, type, square footage) and local market trends to produce an estimate.
It's not the same as a surveyor's valuation, but it's a great way to spot trends.
Why it matters
If your home has gone up in value, your loan-to-value (LTV) ratio falls — which usually means access to cheaper mortgage rates when you remortgage.
If it's gone down, you may want to wait before switching deals, or factor that into any plans to move.
How Mortie tracks it for you
Add your property in the app and we'll show its estimated value, how it's moved over the last 12 months, and ping you when there's a meaningful change — like crossing into a better LTV band.