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Octopus Fixed Tariffs 2026
Comments
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I'll be sticking on my current fix until it finishes in the winter I suspect, with it's rather nice 4.73p unit rate…
🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
£100k barrier broken 1/4/25
Balance as at 31/08/25 = £ 95,450.00. Balance as at 31/12/25 = £ 91,100.00
SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her1 -
What a flex!
But the point is you should not consider one part of a tariff in isolation.
I currently pay about 20% more in unit cost, but I suspect I have a significantly lower SC than you pay, (but not as low as 5-6 ppd) and that for my usage works out more favourable than the lower unit rate.. YMMV.
But with energy prices having risen this year, why would you even consider dumping an existing fix early, unless you didn't pick wisely originally.
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