We just launched Brickeven.
It tracks your renovation costs, mortgage, and valuations — then tells you your breakeven price and monthly cost of ownership.
No more spreadsheets. No more guessing.
If you own a home in the UK, this is for you.
https://t.co/8JJ7qPskns
Hot take: most people pick a fixed-rate mortgage because they're scared, not because they've done the maths.
Fixed rates give certainty. Worth something.
Over 25 years, trackers have historically been cheaper.
Best choice depends on your risk tolerance, not your mate's.
Checking your property's value every week on Zoopla is a waste of time.
Property values move slowly. Checking quarterly or twice a year is plenty.
What actually matters more: tracking what you're spending. Because that's the number you can control.
https://t.co/3T3Xc9MGdR
Stamp duty is the cost buyers forget to budget for.
On a £300k property:
- First-time buyer: £0
- Not first-time: £5,000
- Additional home: £20,000
It's a huge chunk of cash that goes straight into your breakeven price — and you never get it back.
https://t.co/eqwLqnA5qJ
100 extra per month on your mortgage.
Sounds small. On a 200k mortgage at 4.5%:
🤑 Saves roughly 20k in interest
📅 Pays it off nearly 4 years early
💰 Every pound goes to your balance
The catch? Check for early repayment charges. Most fixed deals cap overpayments at 10%.
Your equity is not your profit.
Equity = property value minus mortgage balance.
Profit = sale price minus EVERYTHING you've put in.
Most homeowners confuse the two. They're very different numbers.
https://t.co/eiAYIBsOlf
Most homeowners know what they paid for their house.
Almost none know what they'd sell for to break even.
Includes:
- Purchase price + buying costs
- Stamp duty + solicitor + survey
- Renovation spend
- Mortgage interest to date
- Selling costs
Always higher than you think.
Quick poll for homeowners:
Do you know what your home has cost you per month, all in?
(Not just the mortgage — everything. Stamp duty, repairs, insurance, renovation projects...)
Your house might have "gone up in value."
But have you actually worked out what you'd need to sell for to break even?
That number includes:
- What you paid
- Stamp duty + fees
- Renovation spend
- Mortgage interest
- Selling costs
https://t.co/JorFlEsncW
We just launched Brickeven.
It tracks your renovation costs, mortgage, and valuations — then tells you your breakeven price and monthly cost of ownership.
No more spreadsheets. No more guessing.
If you own a home in the UK, this is for you.
https://t.co/8JJ7qPskns
Your mortgage, completely mapped out.
Brickeven handles intro rates, SVR, remortgages, and additional borrowing. It calculates your capital/interest split each month and shows your balance forecast.
Add overpayments and see exactly how much interest you'll save.