Overview
This tool helps you think about emergency savings and how payment changes if interest rates move—useful before you stretch on a mortgage.
Guide
Financial health check
Emergency fund and interest-rate stress test
The process
The path forward
Each milestone stands on its own—follow in order, or skip ahead when you already know the basics.
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How to open it
Header → Finance / Tools → Financial health check.
Footer → Tools & Calculators → Financial Health Check.
Property Finance Tools hub (`/tools`) — Financial Health Check card.
Direct URL: `/financial-health-check`.
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What it includes
1. Emergency fund calculator — monthly essentials × months of coverage (typically 3–6).
2. Rate rise stress test — current vs stressed monthly mortgage payment if rates increase.
3. Property Health Visualiser — residential loan-to-income and illustrative SDLT; buy-to-let gross yield snapshot.
4. Related tools — links to LTV, mortgage, and rent vs buy calculators.
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What it is not
Not regulated financial advice. Use it alongside professional guidance if you need it.
Why it matters
The benefits of clarity
- Not regulated financial advice. Use it alongside professional guidance if you need it.
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Plan with confidence
Use these tools as **estimates**—confirm with a qualified professional before you commit.
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Fewer surprises
Revisit your inputs when your situation changes so comparisons stay meaningful.
Your journey continues with a single step.
Any questions? Our team is ready to help you find the right answer.
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