You own the property.
Nobody owns the picture.
The one you live in, the ones you don’t, and every mortgage against them — scattered across a bank app, an agent's email and a drawer you'd rather not open. Bernwy pulls them together and shows you what happens next.
“Can I stop at sixty?”
- —Fifty-two years old.
- —Three properties — the one you live in, and two you let.
- —A date in mind: stop at sixty.
- —No way to test whether it holds.
A date question needs a date answer, not just a figure for what you own after debt. No calculator gets there, because it takes all three properties at once measured against yourself. Bernwy does that arithmetic, shows you the gap, and stops — it never tells you to sell.
On these numbers you stop at sixty-three, not sixty.
Three years behind the date you picked. Bernwy shows you which of the three would close the gap, and what letting each one go would cost you. The decision stays yours.
Worked out on 2% growth a year and today’s rents, both of which you chose. Not a forecast, not a recommendation — just your numbers, done properly.
The sentences we hear most often
If two or three of these are you, you're the reason this exists.
“I couldn't tell you what I'm actually worth.”
Your property is the biggest thing you own and the only one that never sends a statement. Everything else has an app. This has a guess.
“My fixed rate ends next year. I've not looked.”
You know the month. You don't know the number. So it stays a vague worry until a letter arrives and it becomes an urgent one.
“My accountant asks. I estimate.”
A year of receipts in three places, an agent statement you skim, and a figure you're not confident defending.
“I’d like to stop at sixty. I don’t know if I can.”
Retirement is a number, and the largest part of yours is a house nobody has ever valued properly against it.
“Two more years of school fees, then university.”
The outgoings are known and large. What they take out of everything else over ten years is not.
“One of these goes to the children eventually.”
Which one, when, and what it leaves behind. The sort of question you answer once and then never look at again.
This software has existed for twenty years. Just not for you.
Advisers have had modelling tools for decades — the screen a planner turns round to show you what happens if you sell, or overpay, or retire two years early. They have never been sold to the people whose money it is.
Bernwy is that tool, pointed the other way. We build the models ourselves, and we keep making them better.
Three steps. Each one earns the next.
Most people arrive wanting to see what they own. They stay because they want to plan around it.
See it
Everything you own, what it's worth, what you owe, what's coming up. Your home sits beside the rest — never hidden, never blended into one misleading number.
Test it
Ask one question at a time. What if the rate goes up. What if it sits empty for six months. What if I overpay instead of investing.
Plan it
Set a target you chose yourself, and watch whether you're on track. You pick the number and the assumptions. We do the maths.
Every fixed rate ends. Almost no tool models it.
The retirement question is permanent. This one has a date. £250,000 on a five-year fix at 2.6%, taken in March 2022, ending in March 2027 — and most tools pretend one rate runs to the end of the term.
Bernwy asks you one thing: what rate do you reckon you'll move to? Then it does the arithmetic on your numbers, across every mortgage you hold, so you know the figure before the letter arrives.
£4,421 a year.
Worked out on a rate of 5.61%, which you chose. Not a forecast, not a recommendation — just your numbers, done properly.
Walk into every meeting already knowing your own numbers.
Bernwy doesn't tell you what to do, doesn't sell you a product, and doesn't replace your broker, accountant or adviser. It just means you turn up to those conversations informed rather than hopeful.
Twenty minutes on a Sunday, or on a long flight, and you stop carrying the question around for the rest of the year.
Find out what you're actually worth.
Add your first property in about two minutes. Start with the one you live in — it counts too.