Joe's notes

Renewals Tracker

Properties1
descriptionFixed billing periods and renewal dates; watchdog checks weekly.

4 min read

Renewals Tracker

Recurring renewals, tax, and inspections. Renewal-watchdog checks weekly.

🛒 Shoppable (insurance) — early alert for shopping around, usually 4 weeks before due. 🔔 Reminder only (tax, MOT) — fixed price, simple pay-by-date reminder.

Car

  • 🛒 Car Insurance — Due: 3 Aug (annual). 2026: ✅ Sorted. Next reminder: 13 Jul 2027.
  • 🔔 Car Tax — Due: 1 Aug (annual). ✅ Paid for 2026. Next due: 1 Aug 2027.
  • 🔔 MOT — Due: 22 Jun (annual). Last: 22 Jun 2026 — failed first, passed second. Next due: 22 Jun 2027.

Home

  • 🛒 Buildings Insurance — Due: 13 Aug (annual). 2026: ✅ Sorted (started 13 Jul). Next reminder: 23 Jul 2027.

Add More Here (when known)

  • Contents insurance
  • Home boiler service
  • Any other annual renewals
  • Homeserve £246.17/mo — Loan, not insurance. 12-month consumer finance for BOXT purchase. Ends ~May 2027. Loan ID L2605X81P4. Linked to S75 complaint (under review).
  • Payment Assist £99.66/mo (dental) — YDS (Leeds) Ltd, £1,794 original invoice, started 12 Mar 2025. Final payment Aug 25, 2026 — ✅ Complete.

Fixed Billing Periods

Shoppable — reminder fires 3 weeks before fixed period ends to shop around.

ServiceFixed Until3-Week Warning
Virgin Media (home internet)08 May 2027~17 Apr 2027
Fuse (electricity & gas)06 Aug 2027~17 Jun 2027
Lebara (SIM, £1.31/mo)15 Mar 2027~22 Feb 2027
Google One AI (subscription)07 Dec 2026Cancel-only (no shop-around) — nudge 5 Dec, verify 8 Dec
Principality mortgage (rate/product)31 Aug 2028~29 Feb 2028 — see below
  • 16 Aug 2026 — Lebara 15GB MSE Exclusive Monthly Plan renewed at £1.31/mo (renewal date 16/08/2026, ref PC7TBT5DQBM3CSZ3)

Mortgage — Principality (account 806319008)

Confirmed from the email chain, 2 Oct 2026. Two different dates matter, and they are 30 years apart, so do not conflate them:

ThingTermEnds
Interest rate 4.40% (variable)25 months from completion31 Aug 2028
Mortgage term25 years01 May 2051
  • Why 2028 and not 2026 matters: the deal is a 2-year product on a 25-year term. The rate runs out in 2028. Re-mortgaging is a 2028 chore, not a 2026 one.
  • Exact end date: 31 August 2028 — confirmed 23 Oct 2026 from the ESIS attached to the 20 April Habito recommendation (the product taken). The ESIS reads “A variable rate, currently 4.40%, until 31/08/2028”, with an early repayment charge of 1.00% (£1,240) until that date. ERC-free from 1 September 2028. The mortgage letter never stated it; the ESIS does.
  • The ESIS also names the reversion rate: 6.25% from 1 Sep 2028 to 31 Aug 2031, then 6.80% to 1 May 2051. Doing nothing at the product end costs £645.83/mo (+£191).
  • ERC-free switch point: 1 September 2028 (the 1.00% charge runs “until 31/08/2028”).
  • Shop-around reminder: 6 months before the product ends — ~29 February 2028. Mortgage offers are typically valid 3 to 6 months, so starting at 6 months lets a new deal be locked in time without leaving a gap.
  • Overpayments: allowed up to 10% of the outstanding balance per calendar year without an Early Repayment Charge. Worth checking annually rather than at the end.
  • Watch out: it is a variable rate, so 4.4% is not fixed for the 2 years. That’s a second reason the 2028 review matters — the payment can drift before then.

Monitoring set up (23 Oct 2026)

  • Monthly — mortgage-position.py (cron 76b97b65d996, 1st at 08:00) appends a row to mortgage-position.md: Bank Rate, your rate, payment, cumulative interest, and the running comparison against the 4.79% fix that was quoted but not taken. Silent unless the Bank Rate moves.
  • On a rate move — Telegram message with the new rate, new payment, months left on the product, and whether you are ahead of or behind that fix.
  • Each July — mid-term review line; July 2028 carries the product-end notice.
  • 29 Feb 2028 — mortgage-remortgage-brief.py (cron e82aefa4abeb) sends the shop-around brief: balance, LTV, ERC-free date, reversion cost, and the sequence (Principality product transfer first, then broker quotes, then structure, then any legal work). The weekly watchdog starts flagging the window from ~1 Feb 2028.
  • Not automated — the remortgage decision, and the realised return vs the 5.08% break-even on the invested difference. Both are judgement calls at the July checkpoint.

Graph View

Backlinks