Stage four
Maintain is coming soon
Buying a home is one number. Keeping it is a smaller number, every month, for years — and it's the one nobody quotes you up front.
What Maintain will do
What the year actually costs
Property tax, insurance, and the upkeep a home of that age and size typically needs, held against what you're putting aside for it — so the gap is visible before the boiler decides for you.
When refinancing is worth the paperwork
What your rate would have to do, and how long you'd have to stay, before the fees pay for themselves. The arithmetic, not a nudge.
How the equity is building
What you've paid down, what the market has done, and when the two together take mortgage insurance off your bill.
What's worth doing, and what can wait
The jobs that get more expensive the longer they're left, separated from the ones that are only ever cosmetic.
In the meantime
Maintain starts the day you have keys, so there's nothing to do here yet. Until then, the range and the deposit figures on your dashboard are the ones that matter.
Homing Star is not a lender, a broker, an insurer, or an adviser. Nothing here is financial advice, and nothing Maintain adds will change that — it will show you what the figures say, and leave the decisions with you.