Future value · repairs looming
—
Mortgage & repairs
01 · Inputs£
%
£
Advanced assumptions
%
%
Your results
01 · OutputMortgage payment · monthly
—
Combined · mortgage + repairs
—
Your share today
—
Your share when repairs are due
—
Extra monthly · repair borrow
—
Annual liability rise · if deferred
—
The cost of delay
| Delay | Your liability | Vs. planned |
|---|
End-of-term scenario
If repairs are never carried out — by end of mortgage
—
Assumptions: costs escalate at a combined 7.0% per year (tender price inflation + scope creep). The repair borrowing is modelled as a top-up loan at the same mortgage rate, repayable over the period until repairs are carried out. Indicative figures only — not a quotation or financial advice.
Property value & growth
02 · Inputs£
%
%
Property value · repaired vs unrepaired
Buildings that fall behind on repairs grow more slowly than well-maintained ones. This is the value gap, projected over your mortgage term.
Future value · well maintained
—
Value uplift difference
—
Extra equity created by maintaining the building
Net uplift after Heritex redemption
—
Uplift less the lease balloon at redemption
Projected value at end of term
Heritex lease-back
03 · Inputs£
Heritex lease-back option
An alternative to a traditional repair loan. You pay an affordable monthly amount; the principal is settled with a balloon payment at the end of the lease, when your property's value has grown.
Lease funding amount
—
Balloon payment at redemption
—
Your monthly payment
—
Total cost of lease
—
Minimum monthly
—
Pay this to clear the principal over the term
If no payments made
—
Monthly affordability · loan vs lease
Both stacks include your existing mortgage. Compare what you'd pay each month to fund repairs with a loan that clears by the planned repair date, versus the Heritex lease-back over the full mortgage term.
Mortgage + repair loan
Existing mortgage—
Repair loan over — yrs—
Total monthly—
Mortgage + Heritex lease
Existing mortgage—
Heritex lease (affordable)—
Total monthly—
Heritex saves you
—
per month
Lifetime cost vs property value
What each option costs over the full mortgage term, set against the value of your home at the end of that term — repaired vs. left to decline.
Cost over — years
Property value at end of term
Bars are scaled to the largest value across both groups. The lease model compounds interest on the original funding amount; monthly payments reduce the principal portion of the balloon, but interest accrues regardless.
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