Financial Health Check

Plan your cash reserve and see how rate rises could affect your mortgage

Emergency Fund Calculator

How much cash reserve do you need after purchase? Experts recommend 3–6 months of essential expenses.

Monthly essential expenses
£
Months of coverage

3–6 months is typical

Rate rise stress test

See how your monthly payment would change if interest rates increased.

Rate rise to test
%
Outstanding loan amount
£
Current interest rate
%
Remaining term (years)

Property Health Visualiser

Slide the values to test your financial resilience

Residential home

£350k
£50k
£60k
Loan-to-income ratio5.0xHigh risk / unlikely
Estimated SDLT: £7,500
Illustrative England & NI SDLT (standard buyer). Not advice—confirm with a conveyancer.
Loan required: £300,000

Investment (Buy To Let)

£250k
£1,200
5.0%
Gross rental yield5.8%Moderate
Annual rent: £14,400
Est. monthly interest: £781

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