Current HomeStep 1 of 5
Stay & Improve

Current Home

Understand the home today

Start with the home as it is today. The adviser records the evidence; the homeowner only needs to confirm what is known.

1

Consultation details

Identify this assessment and its evidence date.

2

Property and heating

Record the characteristics that frame the improvement conversation.

Trial assumptionsVisible planning assumptions, not calculated facts.3 planning assumptions in use
Assessment period20 years
Interest-free repayment120 payments
Additional property context

Use these consultant notes only when they help explain the scenario.

Options

Choose an option to explore

Current Position is the reference point. Select one pathway, then record only the professional information needed to describe it.

Funding

Record funding and debt assumptions

Record the explicit funding attached to the active pathway. This is not an affordability or eligibility assessment.

Total option cost—
−
Grant support—
−
Interest-free loan—
−
Funding still needed before new mortgage—
Remaining funding gap—

Your Future Home

Describe the expected future home

The adviser records the expected outcome and its evidence, then HomePath compares it with the current home.

Estimated annual energy saving—
Monthly equivalent—
Current EPCNot entered
Expected EPCNot entered
Estimates, not promises: Energy, EPC and property-value information must come from professional evidence or a clearly recorded adviser estimate. HomePath does not calculate building physics or property valuations in this trial.

Your Housing Future

Your Housing Future

Stay & Improve · Current home · Date not entered

Outcome answer

What this option means

Complete the consultation to produce an evidence-based summary of this option.

Based on entered evidence and planning assumptions. This is not an affordability assessment, recommendation or lending decision.

Your future at a glance

Initial monthly position—Compared with Current Position
After all repayments—Compared with Current Position
Modelled debt end—Calculated from entered borrowing and visible planning assumptions.
Home outcomeComplete the future-home evidenceExpected EPC and energy direction
20-year modelled cost signal—Includes entered energy, net improvement capital, financing interest and transaction costs. Property-purchase capital and loan-principal repayments are excluded. It is not a wealth, investment-return or affordability measure.

Why the monthly position changes

Complete the scenario

The monthly phases will show how the position changes as each modelled borrowing commitment ends.

What supports this outcome?

What changes in the home

    Funding dependency

    Full 20-year view

    These are assumption-based planning comparisons, not forecasts or affordability findings.

    Current Position cost—Energy-related cost over the assessment period.
    Option cost—Energy and entered option-finance cost over the same period.
    Cost difference vs Current Position—Positive means the option costs less over the assessment period.
    Current Position projected property value—Uses the current value and global growth assumption.
    Option projected property value—Uses the adviser estimate and the same growth assumption.
    Property value difference—Both projected values use the same assumption.
    Evidence, assumptions and calculation notes

    Housing evidence

    Planning assumptions

    Important boundaries

    • All costs and outcomes are estimates unless explicitly confirmed.
    • The mortgage trajectory is an indicative planning model, not a mortgage quotation or forecast.
    • HomePath does not assess affordability, suitability, eligibility or whether a lender would offer the borrowing.
    • HomePath does not compare mortgage products and does not provide financial advice or a lending decision.
    • The model assumes a capital-and-interest repayment mortgage, an unchanged modelling rate and the calculated monthly repayment; actual rates, fees, payments and repayment dates may differ.
    • The 20-year comparison holds entered annual energy costs constant and is not a forecast.
    • No wealth, retirement or recommendation conclusion is included.

    Next discussion

    Review the evidence and assumptions

    Confirm the professional evidence, borrowing assumptions and any caveats before deciding what to investigate next.