Real Estate & Housing - P1
Moving Checklist Generator
Moving Checklist Generator for quick calculations, comparisons, formatting, and practical browser-based results.
About Moving Checklist Generator
Property decisions involve numbers that are easy to get wrong without a calculator — mortgage repayments, stamp duty thresholds, rental yield, or how long it takes to break even on a purchase versus continuing to rent. Moving Checklist Generator gives you a clear, transparent breakdown so you can walk into a viewing or a bank meeting knowing your numbers.
How to use Moving Checklist Generator
- Enter the property price, deposit size, and loan term in the relevant fields.
- Add the interest rate and select whether it's fixed or variable.
- Press Calculate to see the monthly repayment, total interest paid, and amortisation summary.
- Adjust the deposit or term to model different scenarios side by side.
Frequently asked questions
- Does the calculation include stamp duty, legal fees, or insurance?
- Mortgage-repayment tools focus on principal and interest. Use the separate stamp-duty or total-cost tools to add those figures, then combine the results manually.
- How accurate is the mortgage repayment estimate?
- The estimate uses standard annuity-amortisation maths. Actual lender repayments may vary slightly due to daily-interest calculations, lender fees, or offset accounts not modelled here.
- Are the property values or interest rates I enter transmitted anywhere?
- No. All calculations run client-side in the browser. No financial data is stored or sent.
- Can I use this for commercial property?
- The formulae apply to any loan with regular repayments. Commercial mortgages often have different fee structures and rate conventions, so treat the output as an approximation.
- What is rental yield, and is the figure given gross or net?
- Rental yield is annual rent divided by property value. The tool calculates gross yield by default (before expenses). Subtract costs like management fees, maintenance, and vacancy to arrive at net yield.
Common use cases
- Estimating monthly repayments on a new mortgage before applying
- Comparing renting versus buying over a 5- or 10-year horizon
- Calculating gross and net rental yield on an investment property
- Modelling the impact of making extra mortgage repayments each month
- Working out stamp duty on a property purchase before exchange of contracts