One question decides what you see.
Owning one extra place and running nine of them are different lives. Bernwy asks who looks after each property, then starts you on the models that fit yours.
Your home, plus one or two lets
A flat you kept when you moved, or one bought for a child who hasn’t needed it yet.
Both properties side by side, your home held separate. Rent in, costs out, two mortgage end dates on one timeline.
- —When the fixed rate ends
- —Keep it, let it or sell it
- —Can I stop at sixty
- —What the school years cost
Properties you look after yourself
Four, six, nine properties, no agent. You know the day-to-day. You don’t have the whole figure.
Every property and mortgage, income after real costs, and the order you’d do things in.
- —Every fixed rate, one timeline
- —Overpay or put it elsewhere
- —Can I stop at sixty
- —A year with an empty stretch in it
Properties an agent looks after
Someone else handles the tenants. You get a statement you skim and a fee you don’t question.
Values, mortgages, income after the agent’s fees and insurance, every renewal date.
- —What’s left after costs
- —When the fixed rate ends
- —Keep it, let it or sell it
- —Can I stop at sixty
A holiday let
Income arrives in lumps and vanishes in winter. Averages lie about this more than anything else.
Seasonal income as it actually falls, never smoothed, with the costs only holiday lets carry.
- —Nights it takes to cover the costs
- —A bad run of months
- —When the fixed rate ends
- —Can I stop at sixty
Everything you own, on one line
Whichever of those four you are, this is the first screen. Not a projection, not a what-if. Just the things you already own, finally sitting next to each other.
This is where it starts, not where it ends. Seeing it settles the question of what you own; the date you have in mind is the next one.
£635,000 owed.
£795,000 is yours.
Your own valuations and your own balances. Bernwy adds nothing to them and guesses at nothing.
Two things Bernwy won’t do
Worth knowing now rather than after you’ve paid.
Tell you what to do
Bernwy shows you the gap and stops there. A recommendation needs a qualified adviser, and we’d rather say so than pretend otherwise.
Shop for your mortgage
No product lists, no lender rankings, no passing you to a broker for a fee. Bernwy is for understanding what you already hold.