A home's page
Each home's page starts with the photos, then a summary card, then four tabs: Overview, Questions, Area and Records. Every number shows where it came from and when.
#The summary card
The card shows five things:
- Price: the asking price and the price per square foot. Tap the address to see it on a map.
- Flag: the biggest flag, or "Nothing in the listing raised a flag".
- Next: what to do next, such as the questions to ask when you book.
- Every month: what the home costs each month, or the lease and ground rent for a flat.
- Your score: after you've seen it.
#Every month
This is what you'd pay each month on top of the mortgage:
- Council tax: the council's rate for the home's band. Switch on "I'll live alone" for the 25% discount.
- Energy: the estimate from the home's EPC certificate.
- Water: the regional average bill, marked "assumed".
- Service charge and ground rent, for leasehold homes: from the listing, or from what the agent told you.
Broadband and insurance aren't included. A line marked "not confirmed" or "ask" means we don't have a firm figure yet.
#Mortgage estimate
We show a rough monthly mortgage cost with a 10% deposit over 25 years. The rate is the Bank of England's latest published average for a 5-year fixed mortgage at 75% loan-to-value. The app updates it each month, for example 4.98% for September 2026.
With a 10% deposit your rate is likely to be higher than this. The Bank of England doesn't publish a usable 5-year figure for 90% loan-to-value, so we use the 75% one and say so. Your broker's figure is the one that counts.
#Stamp duty
We work out stamp duty with HMRC rates from 1 April 2025, for England and Northern Ireland. It's an estimate; your conveyancer confirms it.
We assume you're moving home until you tell us otherwise in Where you stand. First-time buyers pay less, up to £500,000. If you're keeping your current home, an additional 5% applies. If you're not a UK resident, 2% more applies.
For prices between £450,000 and £550,000, we show what a first-time buyer would pay, because one pound over £500,000 the first-time buyer relief stops. Over £450,000, a Lifetime ISA can't be used without the 25% withdrawal charge.
#Council tax
The band comes from the listing. The yearly amount comes from the council's 2026/27 rates, published by MHCLG. England only for now.
#The lease strip
For leasehold homes, the strip shows the years left on the lease, with a mark at 80 years.
- Under 80: costly to extend, and many lenders say no.
- 80 to 84: lenders get careful, so extend soon.
- 85 to 99: lenders are fine, but extending gets dearer as you get closer to 80.
- 100 or more: comfortable for lenders and for selling on.
If the listing doesn't say, it shows "Lease length: not in the listing · ask".
#Ground rent
Ground rent is shown per year. "Peppercorn" means there's nothing to pay. If the ground rent doubles over time, we say so: some lenders won't lend on that, so ask the agent for the clause.
#EPC
The EPC rating from the listing shows on an A to G bar. When we find the home on the EPC Register, we show the date it was lodged. Certificates older than 10 years are marked expired, so ask if there's a newer one.
#From the listing
Records shows what the listing says: time on the market, size, when it was built, tenure, lease, ground rent, service charge and EPC. Anything missing shows "Not in the listing · ask". It's a question for the agent, not a guess. For a home you added from a brochure, facts show as "Agent's brochure" with the date. If something is wrong, tap Edit details: what you enter shows as "You entered" and everything is worked out again.
#When it was built
Records shows roughly when the home was built, for example "Probably 1900 to 1929", and where that came from: the EPC register, the listing, or the listing photos. When it comes from the photos, we say what we saw. If we can't tell, we don't show a date. We don't guess.
The age decides which checks we suggest. For example, period homes get questions about solid walls and roofs, and 1930s homes about wall ties and bay windows.
#Good to know
Some homes have short notes under "Good to know". They're useful facts about this home, not warnings, each with its real source. For example: a home listed by two agents, or a listing that names a different council from the one the home is in.