GuideProperties

Viewing and editing properties

The full cost breakdown for a property, and how to override your defaults on one house without disturbing the rest.

Adding a property is only half the job, and the real value comes from opening it back up. Every property you track gets its own monthly cost breakdown, with the mortgage repayment, the council tax, the bills and any commitments of yours all pulled into one honest number instead of being scattered across a calculator, a council website and a vague memory of what broadband costs. From there you can fine-tune the details for that particular house, or clear it out once it is no longer in the running.

The property panel

Click any property, on the map or in a list, and it opens in its own panel. There are two versions of it, and it is worth knowing which one you are looking at.

The quick view is the narrow drawer down the right-hand side, and it is what you get by default on a desktop. It is deliberately sparse, giving you the title and price, beds and baths, the property’s status pill, the suitability score with its fit label, a "Routes & commutes" card (the only place you can draw a route onto the map) and Edit and Remove links at the foot of it. Nothing else lives here, so if you are hunting for the tabs or the cost breakdown or the share button, they are all in the full view instead.

The full view is where everything else lives. Hit "Expand full view" to get to it on desktop. On mobile you never see the quick view at all, properties always open straight into the full view. Everything described below is in the full view, so if you are on a desktop and cannot find something, expand the property first.

Header: title, price, bedrooms and bathrooms, council tax band, postcode, and the property’s status pill, so you can mark a viewing booked or an offer made without leaving the breakdown. If a partner added the property, it says so here.

Suitability score: a ring showing the score out of 100, with a plain-English label like "Great fit" underneath. If you have a linked partner, you get a ring each plus a combined one, and a small ? button next to it opens a full breakdown of how that number was reached.

Three tabs:

  • Overview: the full monthly cost breakdown, a donut chart of mortgage, council tax, gas and electricity, water, broadband, and groceries, plus your (and your partner’s, if linked) individual cost cards, mortgage settings, bills, and, if you have a linked partner, a bill split slider for that property. This is where the overrides covered below live.
  • Commutes: every important place you (and your partner) added in your profile, with drive and walk times measured against your ideal target for each, and a score out of 100 per place.
  • Notes: the comment thread covered on its own page, see comments on properties.

Action icons: a row of icon buttons alongside the tabs. Edit and delete only appear on properties you added yourself, since a shared property added by your partner isn’t yours to change or remove, but sharing a link is available on any property you can see, including your partner’s.

  • Opens the original listing you saved, if you added one.
  • Generates a read-only link to the property, see sharing a property.
  • Edits the title, price, bedrooms, bathrooms, council tax band, or listing link.
  • Removes the property, covered below.

Quick note

If you have unsaved changes to a mortgage, bill, or split override and try to close or navigate away, you will be asked to confirm first, so a stray tap cannot lose an edit you meant to keep.

Mortgage overrides

A single mortgage calculator setting rarely fits every property you are comparing. Your interest rate and mortgage term are set once in your profile as a safe, general-purpose default, but every property can override either value individually, so your affordability numbers reflect the real deal in front of you, not just a rough average.

Example: a rate quote for this specific house. Say your profile default is set to a cautious 5.5%, but you have spoken to a broker or lender about this particular property and been quoted 4.8% based on the price and your deposit. Override just this property with that real figure, and its cost breakdown reflects the actual deal on the table rather than your general safety margin.

Example: stretching the term to make the numbers work. You have fallen for a house that is a stretch on a 25-year term, but you would happily take 30 or 35 years if that is what makes it affordable. Override the term on that one property and see immediately whether a longer mortgage brings the monthly repayment down to something that fits, without changing the term on anything else you are comparing it against.

An overridden property shows its own rate and term rather than your profile default, with a small “Usually X” note next to whichever one you have changed so you are never guessing what it will revert to. One button resets the property back to your profile defaults, and it resets the rate and the term together rather than one at a time, so you cannot keep a custom term while reverting only the rate. Bills, by contrast, do reset individually.

Bill & commitment overrides

The same idea applies to your default bills (gas and electricity, water, broadband, groceries) and your monthly commitments: each can be overridden on a per-property basis, shows a reminder of your usual figure right next to it, and can be reset back to your profile default whenever you like. This is what turns a generic cost-of-living estimate into a genuine, property-specific picture of what you would actually be paying to live there.

Your bill defaults are meant to be pessimistic, the worst case you would still be willing to pay, because they apply to every property you are tracking at once. Overrides are how you move off that figure for a single house once you know something specific about it, in either direction.

Example: a poor EPC rating. If a property’s energy performance certificate comes back low, an old boiler and thin insulation can mean a noticeably higher real gas and electricity bill than your default assumes. Override just the gas and electricity figure upward for that property, so its cost breakdown is not quietly underselling what living there would cost you.

Example: a strong EPC rating. It works the other way just as well, and this is the more common use of it. A property rated A, with a new boiler and insulation that actually does something, is not going to cost what a deliberately gloomy default assumes. Drop gas and electricity from £250 to £175 on that property alone, and every other house you are weighing it against stays measured against the cautious figure.

Example: a cheaper broadband deal at that address. Found a genuinely good, cheap broadband provider available at a specific property? Lower the broadband override for just that one, by £10 a month, say, rather than changing your default and understating the cost everywhere else you are comparing.

Example: trimming a commitment to make one property work. Commitments can be overridden the same way, which is useful for testing what you would actually be willing to sacrifice for the right house. Maybe you normally put £500 a month into stocks and shares, but for a property you have completely fallen for, you would happily drop that to £300 if it means the numbers add up. Override it on that property alone and see straight away whether that trade-off is enough.

Quick note

If you have linked a partner account, the bill overrides are not per-person in the first place. A property has one set of bills, which the two of you then split, so an override to broadband applies to the property and to both of you at once. Commitments are the per-person part, and either of you can override either person’s commitments on a property you share.

Deleting a property

Open a property and use the delete icon to remove it permanently, along with its notes and commute data. You will be asked to confirm first, since this cannot be undone.

Deleting will not free up a free-tier slot

If you are on the free tier, do not delete a property to make room for a new one. It will not work. The 3-property free limit counts every property you have ever added, not how many you currently have, so deleting one loses the property and gains you nothing. You would end up with two properties and still be unable to add a third.

On premium it works the way you would expect, deleting frees the slot back up.