HomePath
Mortgage Manager
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Free version — track up to 5 maintenance items. Unlock unlimited items, emergency fund tracker & repair log.
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Your Income ✓ Saved
Your monthly income
£
Partner's income (if any)
£
Total monthly expenses (bills, food, travel, etc.)
£
Existing debt payments (loans, credit cards /mo)
£
Savings & Goal
Deposit saved so far
£
Monthly saving rate
£
Target property price
£
Target deposit %
Mortgage Readiness
0 / 100
Add your details →
Max borrowing
~4.5× income
Deposit needed
Time to target
at current saving rate
Disposable /mo
after bills & debts
Deposit Progress
£0 saved Target: £—
Fill in your details to see your progress.
Readiness Checklist
Mortgage Details ✓ Saved
Property value
£
Loan amount
£
Annual interest rate
%
Term (years)
Mortgage start date
Mortgage type

Deal / Rate Review
Deal type
Deal end date
Lender (optional)
Overpayment Simulator
Extra monthly payment
£
Monthly payment
capital + interest
Current balance
Equity
LTV
loan to value
LTV Milestones
Balance Over Term
Remaining balance vs equity — yearly
Loan Summary
Total repaid
Total interest
Months remaining
Needs attention
0
overdue or expired
Coming up
0
due within 90 days
Items tracked
0
5 max on free
Upcoming (next 90 days)
Nothing due soon
All Tracked Items
Emergency Fund

Pro Feature

Track your home emergency fund target, current balance, and recommended pot size based on your property value.

Get Full App — £9.99
Maintenance Tips

Boiler — service annually. Most failures happen Oct–Dec.

Roof — inspect gutters spring & autumn. Replace felt every 15–20 yrs.

Plumbing — know where your stopcock is. Check for leaks annually.

Electrics — EICR certificate every 10 years for owner-occupiers.

Budget — a common rule: set aside 1% of property value per year for maintenance.

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Mortgage ✓ Saved
Monthly payment (auto from My Mortgage)
£
Updates automatically if you've filled in My Mortgage.
Council Tax / Local Tax
Monthly council tax
£
Utilities
Electricity
£
Gas / Heating
£
Water
£
Broadband
£
Insurance
Buildings
£
Contents
£
Life / Critical illness
£
Boiler cover
£
Other Home Costs
Ground rent
£
Service charge
£
Maintenance pot /mo
£
Other
£
Monthly Breakdown
Total monthly commitment
£0
Annual cost £0
Affordability Check