How to Calculate Net Worth With Property and Mortgages
Calculate net worth without confusing property value, equity and cash. Includes a balance-sheet tool, joint-ownership checks and a worked property example.
Read article →About Mark Parham / Articles, page 10
Articles by
Mark Parham
From the blog
More property articles
Should I Add Buy-to-Let Mortgage Fees to the Loan?
Compare paying a mortgage fee upfront with financing it. See cash retained, extra interest and the fee debt still outstanding at the end of the deal.
Read article →Should I Buy an Off-Plan Property as a Buy-to-Let?
Buying before a property is finished? Test a completion delay and lower valuation, then check the contract, deposit protection and mortgage timetable.
Read article →Carpet or Hard Flooring: What Works Better in a Rental Property?
Compare installation, maintenance and replacement costs over time. Check lease restrictions, room suitability and fair wear before choosing rental flooring.
Read article →What If My Buy-to-Let Mortgage Offer Expires Before Completion?
If completion may slip past your mortgage offer expiry, act early. Compare the dates and understand extensions, new applications and contract risks.
Read article →First Buy-to-Let Budget: A £150,000 Worked Example
A worked first buy-to-let budget covering deposit, purchase tax, fees, refurbishment and reserves. See why a £150,000 property needs more than its deposit.
Read article →Is a Studio Flat a Good Buy-to-Let Investment?
A cheap studio can have expensive ongoing costs. Check floor area, lender criteria, service charges and demand, then test the monthly cashflow.
Read article →Are Professional Photos Worth Paying for on a Rental Property?
Calculate how many avoided empty days would cover photography costs. Get a practical brief for accurate images, floor plans and better rental adverts.
Read article →Is a Mortgage Agreement in Principle Enough to Make an Offer?
An agreement in principle is an early indication, not a guaranteed mortgage. Understand the next checks and what can change before completion.
Read article →Buy-to-Let Mortgage Rent Cover: How Much Rent Do You Need?
Understand interest cover ratios, stress rates and why lender affordability differs from profit. Includes rent-cover sliders and worked examples.
Read article →